Darlington, IN · Cert 14632
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | -0.22% | -0.13% | 1.80% | 0.72% | -0.44% | 0.32% | 0.37% | -143 bps | |
| Return on Equity | 7.28% | -2.41% | -1.35% | 14.76% | 4.61% | -2.57% | 1.87% | 2.20% | -1,256 bps | |
| Net Interest Margin | 3.78% | 3.26% | 2.73% | 5.69% | 4.76% | 4.61% | 4.69% | 4.27% | -142 bps | |
| Efficiency Ratio | 84.81% | 113.66% | 98.52% | 52.21% | 84.71% | 65.70% | 70.72% | 92.02% | +3,981 bps | |
| Non-Interest Burden | 3.20% | 3.79% | 2.68% | 2.89% | 4.02% | 2.85% | 3.17% | 3.90% | +102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | -9.36% | -13.61% | -11.36% | -16.39% | -19.64% | -6.88% | -7.78% | +358 bps | |
| Loan Growth (YoY) | -9.83% | -27.19% | -36.39% | -36.89% | -33.82% | -22.01% | -0.88% | -1.16% | +3,573 bps | |
| Deposit Growth (YoY) | 12.70% | 0.99% | -7.09% | -14.17% | -20.84% | -24.67% | -13.75% | -10.46% | +371 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.37% | 0.26% | 1.93% | 0.64% | 1.38% | 1.54% | 0.05% | -188 bps | |
| Allowance / Loans | 1.41% | 1.51% | 1.71% | 1.83% | 1.97% | 2.37% | 2.36% | 2.49% | +66 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.91% | 16.08% | 19.28% | 18.82% | 20.77% | 20.01% | 19.51% | 20.30% | +148 bps | |
| Equity / Assets | 9.13% | 8.96% | 9.75% | 14.63% | 16.87% | 17.63% | 16.62% | 17.05% | +242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.33% | 74.43% | 67.09% | 68.10% | 71.35% | 77.06% | 77.10% | 75.17% | +707 bps | |
| Liquid Assets / Assets | 0.04% | 17.00% | 19.31% | 4.05% | 4.46% | 5.36% | 5.04% | 5.05% | +100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |