Lebanon, IN · Charter 17427
Q4 2000
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 3.36% | 4.00% | 3.51% | 2.09% | 2.36% | 0.63% | 0.65% | -286 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.45% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.85% | 3.85% | 4.15% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 59.74% | 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 / Loans | 0.00% | 0.00% | 1.76% | 2.67% | 12.84% | 10.15% | 14.46% | 21.89% | +1,922 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 | 0.61% | 0.88% | 0.89% | 2.55% | 3.24% | 2.51% | 1.69% | 5.52% | +297 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.49% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.49% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.40% | 35.02% | 35.49% | 25.33% | 20.62% | 15.61% | 20.67% | 13.20% | -1,213 bps | |
| Liquid Assets / Assets | 78.68% | 71.79% | 71.56% | 80.68% | 84.42% | 80.62% | 84.17% | 90.24% | +956 bps | |