Fort Wayne, IN · Charter 21134
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Fort Wayne, IN · Charter 21134
Q3 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.57% | -3.08% | 0.66% | 0.81% | -3.73% | -116 bps | |
| Return on Equity | -27.45% | -34.73% | 7.66% | 8.03% | -52.75% | -2,530 bps | |
| Net Interest Margin | 4.30% | 4.71% | 4.48% | 5.00% | 5.28% | +97 bps | |
| Efficiency Ratio | 106.48% | 105.21% | 80.13% | 78.69% | 97.82% | -866 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.92% | -8.17% | -10.82% | -13.56% | -15.18% | -2,210 bps | |
| Loan Growth (YoY) | -9.72% | -5.22% | -11.27% | -15.00% | -23.34% | -1,362 bps | |
| Share Growth (YoY) | 10.85% | -5.66% | -9.66% | -14.39% | -13.49% | -2,434 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.88% | 5.37% | 4.76% | 4.06% | 4.06% | +118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 2.68% | 1.84% | 0.63% | 3.73% | +301 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.36% | 8.86% | 8.67% | 10.07% | 7.07% | -228 bps | |
| Net Worth / Assets | 9.36% | 8.86% | 8.67% | 10.07% | 7.07% | -228 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.64% | 84.71% | 73.37% | 79.38% | 75.00% | -964 bps | |
| Liquid Assets / Assets | 18.60% | 19.82% | 30.43% | 23.63% | 28.34% | +974 bps | |