PackageTrendsPeer
Letter portraitLegal landscape

Filters Division Employees

Lebanon, IN · Charter 17427

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Filters Division Employees

Lebanon, IN · Charter 17427

Q4 2000

$198KAssets
$19KLoans
$144KShares
$52KNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, down 286 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 21.89% of loans (+1,922 bps YoY).
  • Capital: net worth / assets of 26.49%.
  • Funding: loans stand at 13.20% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.65%-286 bps YoY

Net Interest Margin (YTD, annualized)

4.15%

Efficiency Ratio (YTD, annualized)

84.40%

Net Worth / Assets

26.49%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.50%3.36%4.00%3.51%2.09%2.36%0.63%0.65%-286 bps
Return on Equityn/an/an/an/an/an/an/a2.45%n/an/a
Net Interest Marginn/an/an/an/an/a5.85%3.85%4.15%n/a
Efficiency Ration/an/an/an/an/a59.74%83.55%84.40%n/a
Growth
Asset Growth (YoY)-10.44%-10.80%-13.21%-19.21%-25.52%-21.61%-13.96%-4.66%+1,455 bps
Loan Growth (YoY)-2.01%38.62%34.41%-43.33%-44.86%-67.84%-52.32%-51.60%-826 bps
Share Growth (YoY)-12.57%-13.68%-16.98%-25.07%-32.07%-27.85%-18.12%-7.14%+1,793 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%1.76%2.67%12.84%10.15%14.46%21.89%+1,922 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.88%0.89%2.55%3.24%2.51%1.69%5.52%+297 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a26.49%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a26.49%n/an/a
Liquidity & Funding
Loans / Shares25.40%35.02%35.49%25.33%20.62%15.61%20.67%13.20%-1,213 bps
Liquid Assets / Assets78.68%71.79%71.56%80.68%84.42%80.62%84.17%90.24%+956 bps