PackageTrendsPeer
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I.K.I.B.E.W.

Indianapolis, IN · Charter 23435

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

I.K.I.B.E.W.

Indianapolis, IN · Charter 23435

Q4 2012

$7.5MAssets
$2.0MLoans
$6.9MShares
$639KNet Worth

Executive Summary

  • Earnings: ROA of 0.19%, down 1 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 1.42% of loans (+61 bps YoY).
  • Capital: net worth / assets of 8.52%, down 1 bps from a year ago.
  • Funding: loans stand at 29.26% of shares as of Q4 2012.

Return on Assets (YTD, annualized)

0.19%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+4 bps YoY

Efficiency Ratio (YTD, annualized)

93.87%-12 bps YoY

Net Worth / Assets

8.52%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.63%0.06%0.13%0.21%0.28%0.34%0.24%0.19%-1 bps
Return on Equity-7.47%0.66%1.51%2.41%3.34%4.22%2.86%2.24%-17 bps
Net Interest Margin2.23%2.28%2.35%2.39%2.46%2.36%2.44%2.43%+4 bps
Efficiency Ratio121.06%98.47%96.37%93.99%91.00%88.66%92.23%93.87%-12 bps
Growth
Asset Growth (YoY)-4.44%-0.50%-0.23%-0.16%5.37%8.60%2.86%2.38%+253 bps
Loan Growth (YoY)-19.42%-14.42%-9.34%-7.98%7.59%0.24%-4.41%-7.44%+55 bps
Share Growth (YoY)-0.83%1.48%1.57%0.05%5.44%9.03%2.61%2.42%+237 bps
Asset Quality
Delinquent Loans / Loans1.54%0.91%0.81%0.81%1.04%0.06%0.74%1.42%+61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.75%2.39%2.14%2.42%2.64%2.67%2.80%2.97%+55 bps
Capital
Risk-Based Capital8.43%8.48%8.40%8.53%8.42%8.15%8.45%8.52%-1 bps
Net Worth / Assets8.43%8.48%8.40%8.53%8.42%8.15%8.45%8.52%-1 bps
Liquidity & Funding
Loans / Shares31.37%33.72%33.12%32.38%32.01%31.00%30.85%29.26%-312 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps