New Albany, IN · Cert 34236
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.
New Albany, IN · Cert 34236
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 | 0.55% | 0.54% | 0.60% | 0.57% | 0.49% | 0.57% | 0.55% | 0.47% | -10 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.00% | 6.90% | 6.55% | 5.54% | n/a | |
| Net Interest Margin | 2.38% | 2.45% | 2.52% | 2.47% | 2.46% | 2.88% | 3.05% | 2.94% | +47 bps | |
| Efficiency Ratio | 70.12% | 70.12% | 67.52% | 68.76% | 67.99% | 62.19% | 58.58% | 60.20% | -856 bps | |
| Non-Interest Burden | 1.38% | 1.43% | 1.44% | 1.46% | 1.55% | 1.62% | 1.57% | 1.56% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.82% | 27.02% | 4.59% | 1.85% | 6.47% | -1.50% | 4.16% | -1.75% | -360 bps | |
| Loan Growth (YoY) | 21.27% | 21.96% | 18.20% | 14.71% | 14.62% | 5.91% | 8.53% | 9.65% | -506 bps | |
| Deposit Growth (YoY) | 31.33% | 28.66% | 4.41% | 0.37% | 5.32% | -3.45% | 2.69% | -2.29% | -266 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 | 0.00% | 0.00% | 0.01% | 0.11% | 0.04% | 0.14% | 0.51% | 0.66% | +55 bps | |
| Allowance / Loans | 0.83% | 0.81% | 0.80% | 0.81% | 0.82% | 0.90% | 0.84% | 0.95% | +14 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 | 11.33% | 10.51% | 10.24% | 12.18% | 12.12% | 12.60% | 12.24% | 12.64% | +46 bps | |
| Equity / Assets | 6.94% | 6.91% | 7.30% | 8.00% | 8.17% | 8.82% | 8.72% | 8.63% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.51% | 72.28% | 79.64% | 70.79% | 73.48% | 79.28% | 84.17% | 79.44% | +865 bps | |
| Liquid Assets / Assets | 8.35% | 7.52% | 7.23% | 4.67% | 9.19% | 8.19% | 2.95% | 1.68% | -298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |