Indianapolis, IN · Cert 27231
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 · Cert 27231
FDIC
Q4 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.93% | 0.96% | 1.05% | 0.96% | 1.03% | 1.00% | 0.99% | -6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 12.66% | 13.23% | 12.93% | 12.77% | n/a | |
| Net Interest Margin | 4.17% | 4.15% | 4.23% | 4.12% | 4.29% | 4.54% | 4.15% | 3.75% | -37 bps | |
| Efficiency Ratio | 68.47% | 66.83% | 66.06% | 63.36% | 66.03% | 63.44% | 63.29% | 63.37% | +1 bps | |
| Non-Interest Burden | 2.59% | 2.49% | 2.51% | 2.31% | 2.59% | 2.60% | 2.35% | 2.11% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.37% | 16.67% | 11.22% | 9.61% | 0.32% | -1.23% | 11.08% | 7.22% | -239 bps | |
| Loan Growth (YoY) | 19.52% | 19.76% | 16.49% | 14.06% | 8.42% | 2.67% | 2.87% | 1.74% | -1,232 bps | |
| Deposit Growth (YoY) | 10.49% | 9.50% | 3.02% | 2.62% | -1.21% | -2.37% | 14.46% | 13.17% | +1,054 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.14% | 0.10% | 0.11% | 0.10% | 0.30% | 0.23% | 0.25% | +14 bps | |
| Allowance / Loans | 1.30% | 1.20% | 1.24% | 1.26% | 1.30% | 1.23% | 1.29% | 1.30% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.51% | 11.08% | 11.44% | 11.70% | 11.87% | 12.11% | 12.02% | 12.33% | +63 bps | |
| Equity / Assets | 7.00% | 7.20% | 7.40% | 7.36% | 7.78% | 8.32% | 7.46% | 7.79% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.74% | 83.03% | 82.57% | 81.11% | 82.03% | 87.32% | 74.21% | 72.92% | -819 bps | |
| Liquid Assets / Assets | 9.88% | 4.43% | 9.17% | 9.60% | 9.74% | 9.06% | 18.64% | 19.38% | +978 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |