Richmond, IN · Charter 322
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.36% | 3.33% | 2.68% | 0.47% | 0.94% | 0.14% | -0.30% | -0.51% | -98 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.89% | -1.88% | -3.35% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.59% | 5.01% | 4.97% | 4.46% | 4.12% | -47 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 83.95% | 74.35% | 74.91% | 86.06% | 92.97% | +902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.97% | 14.24% | 2.57% | 9.85% | 6.18% | 3.48% | -0.54% | -2.10% | -1,195 bps | |
| Loan Growth (YoY) | 18.76% | 16.00% | 3.21% | -0.71% | -3.54% | -6.73% | -16.69% | -24.84% | -2,413 bps | |
| Share Growth (YoY) | 6.67% | 13.83% | 0.56% | 9.53% | 5.31% | 3.32% | -0.74% | -1.89% | -1,142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.78% | 0.99% | 3.31% | 3.10% | 2.18% | 1.91% | 2.34% | -97 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 | 0.99% | 0.88% | 0.93% | 1.33% | 0.71% | 0.99% | 2.00% | 1.46% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 15.66% | 15.95% | 15.21% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 15.66% | 15.95% | 15.21% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.29% | 84.37% | 79.39% | 77.62% | 79.04% | 76.17% | 66.63% | 59.47% | -1,816 bps | |
| Liquid Assets / Assets | 19.29% | 17.62% | 20.14% | 0.00% | 21.46% | 27.44% | 37.46% | 41.76% | +4,176 bps | |