PackageTrendsPeer
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Heritage Bank of Southern Indiana

Jeffersonville, IN · Cert 34117

FDIC

Q4 2001

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 2001, the quarter ended December 31, 2001, 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: FFIEC Call Report (031/041/051), 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

Heritage Bank of Southern Indiana

Jeffersonville, IN · Cert 34117

FDIC

Q4 2001

$85.8MAssets
$61.1MLoans
$55.2MDeposits
$8.0MEquity
Deposit mix
88%Interest-bearing $48.4M12%Noninterest $6.9MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of 0.72%, down 20 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 110.64% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

0.72%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.93%

Efficiency Ratio (YTD, annualized)

63.87%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.43%Q1 ’017.13%Q3 ’016.86%Q4 ’01+2%-3%

Non-interest income vs. expense

2.35%Q1 ’012.42%Q3 ’012.43%Q4 ’01+19%+5%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.83%0.89%0.94%0.92%0.79%0.75%0.80%0.72%-20 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.95%2.94%3.01%2.93%n/a
Efficiency Ration/an/an/an/a57.87%61.62%61.36%63.87%n/a
Non-Interest Burdenn/an/an/an/a1.24%1.43%1.48%1.56%n/a
Growth
Asset Growth (YoY)33.33%34.95%24.63%5.80%9.03%-0.23%6.11%0.97%-482 bps
Loan Growth (YoY)45.01%42.69%34.08%16.79%17.29%9.08%12.62%14.25%-254 bps
Deposit Growth (YoY)29.05%55.30%31.62%27.74%17.83%-12.70%7.76%-0.81%-2,855 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.16%0.16%0.10%0.10%n/a
Allowance / Loansn/an/an/an/a1.31%1.37%1.37%1.38%n/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/a13.91%14.21%13.90%13.57%n/a
Equity / Assetsn/an/an/an/a9.11%9.30%9.33%9.32%n/a
Liquidity & Funding
Loans / Deposits106.56%87.12%102.11%96.06%106.07%108.85%106.72%110.64%+1,458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%6.05%0.35%1.96%0.30%+30 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a