Marion, IN · Charter 19793
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Marion, IN · Charter 19793
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.82% | 4.83% | 4.16% | 4.41% | 3.65% | 3.98% | 3.34% | -82 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | 42.74% | 20.25% | 12.76% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 27.67% | 15.22% | 14.23% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 47.80% | 21.31% | 13.07% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.39% | 0.25% | 0.09% | 1.22% | 1.34% | 3.90% | 3.06% | +297 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.37% | 0.41% | 0.88% | 1.11% | 0.76% | 0.61% | 0.69% | -19 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 96.65% | 97.47% | 86.52% | 95.95% | 83.48% | 92.57% | 87.41% | +89 bps | |
| Liquid Assets / Assets | 18.21% | 10.47% | 20.45% | 17.57% | 22.14% | 14.89% | 22.82% | +237 bps | |