Indianapolis, IN · Charter 22240
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Indianapolis, IN · Charter 22240
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.10% | 0.02% | -0.43% | -1.23% | -0.43% | -253 bps | |
| Return on Equity | n/a | n/a | n/a | -9.67% | -3.48% | n/a | |
| Net Interest Margin | n/a | 5.78% | 6.12% | 6.57% | 6.12% | n/a | |
| Efficiency Ratio | n/a | 91.30% | 85.55% | 81.99% | 85.55% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.11% | -2.33% | -0.58% | -1.94% | 0.03% | -308 bps | |
| Loan Growth (YoY) | -5.81% | -11.81% | -9.39% | -1.30% | -2.86% | +294 bps | |
| Share Growth (YoY) | 2.28% | -3.02% | -0.37% | -0.73% | 0.30% | -198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 2.09% | 1.59% | 0.13% | 1.59% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.81% | 0.92% | 0.89% | 0.92% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.72% | 12.43% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 12.72% | 12.43% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.36% | 87.01% | 83.64% | 98.08% | 83.64% | -273 bps | |
| Liquid Assets / Assets | 20.52% | 21.11% | 23.92% | 8.72% | 23.92% | +340 bps | |