Muncie, IN · Charter 21321
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.48% | 4.49% | 5.07% | 4.29% | 3.80% | 3.54% | 1.69% | 1.21% | -309 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 0.39% | -6.41% | 1.41% | -10.28% | -17.10% | -5.73% | -3.00% | -440 bps | |
| Loan Growth (YoY) | n/a | 68.13% | 35.99% | 7.50% | -7.47% | -19.24% | -13.34% | -14.45% | -2,196 bps | |
| Share Growth (YoY) | n/a | -4.27% | -13.19% | -3.10% | -17.94% | -25.94% | -8.68% | -2.56% | +54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.47% | 0.00% | 2.68% | 3.08% | 6.00% | 1.79% | 0.00% | -268 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 | 1.08% | 1.08% | 1.18% | 1.43% | 2.30% | 3.89% | 1.47% | 2.67% | +124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 117.53% | 107.13% | 111.29% | 113.55% | 132.54% | 116.82% | 105.60% | 99.69% | -1,386 bps | |
| Liquid Assets / Assets | 10.78% | 17.03% | 15.57% | 16.59% | 6.51% | 21.27% | 23.39% | 24.57% | +798 bps | |