Anderson, IN · Charter 17177
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.31% | 4.70% | 5.16% | 5.43% | 4.14% | 4.68% | 4.19% | 4.79% | -64 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 | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 3.35% | 7.41% | 4.78% | 1.92% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 24.46% | 10.54% | -3.60% | -1.15% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 0.71% | 12.95% | 2.73% | -0.82% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.94% | 1.88% | 2.16% | 0.82% | 0.36% | 0.07% | 0.85% | -131 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 | 1.48% | 1.35% | 1.14% | 1.12% | 1.07% | 0.59% | 0.68% | 1.09% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.72% | 84.86% | 87.16% | 89.98% | 68.87% | 83.05% | 81.79% | 89.68% | -30 bps | |
| Liquid Assets / Assets | 46.11% | 18.14% | 25.86% | 24.89% | 34.96% | 28.88% | 30.01% | 25.18% | +30 bps | |