PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Old National Trust Company

Terre Haute, IN · Cert 34009

FDIC

Q2 2001

$5.0MAssets
n/aLoans
n/aDeposits
$3.1MEquity

Executive Summary

  • Earnings: ROA of 5.70%, down 3,527 bps year over year; NIM at 2.79%.

Return on Assets (YTD, annualized)

5.70%-3,527 bps YoY

Net Interest Margin (YTD, annualized)

2.79%

Efficiency Ratio (YTD, annualized)

96.12%

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.96%Q1 ’012.79%Q2 ’01-6%

Non-interest income vs. expense

268%Q1 ’01337%Q2 ’01+58%

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets-10.96%-24.58%32.32%40.97%35.38%53.09%14.57%5.70%-3,527 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a2.96%2.79%n/a
Efficiency Ration/an/an/an/an/an/a90.28%96.12%n/a
Non-Interest Burdenn/an/an/an/an/an/a-25.88%-10.82%n/a
Growth
Asset Growth (YoY)58.64%-26.65%-49.47%-44.84%-35.03%22.53%100.60%93.87%+13,872 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a161.34%123.18%n/a
Equity / Assetsn/an/an/an/an/an/a67.78%61.34%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a