West Lafayette, IN · Charter 14729
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.75% | 0.62% | 0.68% | 0.77% | 0.92% | -0.70% | -9.39% | -1,008 bps | |
| Return on Equity | 6.69% | 6.34% | 5.49% | 6.28% | 6.90% | 8.29% | -7.27% | -127.39% | -13,366 bps | |
| Net Interest Margin | 1.04% | 0.99% | 0.96% | 1.18% | 1.32% | 1.39% | -0.30% | -8.82% | -1,001 bps | |
| Efficiency Ratio | 18.43% | 20.35% | 25.66% | 15.59% | 13.94% | 14.68% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.20% | 24.69% | 29.35% | 23.90% | 14.71% | 13.70% | 9.72% | 2.87% | -2,104 bps | |
| Loan Growth (YoY) | -10.48% | -10.24% | -10.68% | -7.89% | -5.49% | -3.75% | -2.50% | -4.98% | +291 bps | |
| Share Growth (YoY) | 24.14% | 27.25% | 32.99% | 26.67% | 16.30% | 15.01% | 12.08% | 7.82% | -1,885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.47% | 0.57% | 0.44% | 0.52% | 0.67% | 0.76% | 0.82% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.22% | 0.28% | 0.35% | 0.50% | 0.51% | 0.50% | 0.54% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.02% | 11.77% | 11.27% | 10.90% | 11.10% | 11.12% | 9.57% | 7.37% | -353 bps | |
| Net Worth / Assets | 12.02% | 11.77% | 11.27% | 10.90% | 11.10% | 11.12% | 9.57% | 7.37% | -353 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.44% | 46.77% | 42.91% | 40.78% | 40.18% | 39.14% | 37.33% | 35.94% | -484 bps | |
| Liquid Assets / Assets | 22.25% | 22.61% | 21.64% | 18.23% | 19.22% | 17.40% | 18.40% | 19.06% | +83 bps | |