Liberty, IN · Cert 15548
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Liberty, IN · Cert 15548
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.85% | 0.90% | 0.95% | 1.00% | 1.08% | 1.09% | 1.05% | +9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.35% | 4.46% | 4.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 59.72% | 58.65% | 60.85% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.44% | 2.43% | 2.54% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.36% | 3.38% | 3.69% | 5.77% | 5.08% | -1.19% | 0.32% | -6.23% | -1,200 bps | |
| Loan Growth (YoY) | 7.39% | 5.48% | 4.43% | 4.29% | 0.57% | 3.46% | 1.61% | -1.46% | -575 bps | |
| Deposit Growth (YoY) | -1.40% | 4.02% | 2.92% | 6.80% | 7.98% | -2.51% | 0.86% | -5.50% | -1,230 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 | n/a | n/a | n/a | n/a | n/a | -0.01% | 0.09% | 0.14% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.72% | 1.72% | 1.68% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 14.69% | 15.05% | 12.30% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 14.08% | 14.25% | 12.45% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.35% | 92.95% | 97.83% | 94.01% | 90.67% | 98.64% | 98.57% | 98.04% | +403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |