Hammond, IN · Charter 19889
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Hammond, IN · Charter 19889
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 1.76% | 4.38% | 0.75% | 0.32% | 0.26% | -5.49% | -4.66% | -542 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.61% | -77.19% | -79.49% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.99% | 5.50% | 5.78% | 6.63% | 6.63% | +63 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.18% | 92.57% | 89.16% | 84.97% | 90.83% | +365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | 3.39% | 8.45% | 8.83% | 9.60% | 7.45% | -3.07% | -9.02% | -1,784 bps | |
| Loan Growth (YoY) | -0.10% | 2.95% | 2.35% | 10.40% | 8.20% | 0.79% | 0.50% | -12.30% | -2,270 bps | |
| Share Growth (YoY) | -0.91% | 3.96% | 9.07% | 10.10% | 9.51% | 6.96% | -0.74% | -6.56% | -1,665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.63% | 0.88% | 1.40% | 1.63% | 3.17% | 3.94% | 8.99% | +759 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 | 2.20% | 2.03% | 2.11% | 1.85% | 2.12% | 2.38% | 5.59% | 6.83% | +498 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.80% | 7.11% | 5.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.80% | 7.11% | 5.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.56% | 96.92% | 82.22% | 92.03% | 81.57% | 91.33% | 83.24% | 86.38% | -565 bps | |
| Liquid Assets / Assets | 20.68% | 9.56% | 20.54% | 11.15% | 0.00% | 13.49% | 19.28% | 16.99% | +584 bps | |