New Albany, IN · Cert 34236
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.70% | 0.51% | 0.49% | 0.66% | 0.51% | 0.23% | -28 bps | |
| Return on Equity | n/a | 7.83% | 9.91% | 6.61% | 6.00% | 7.79% | 5.85% | 2.59% | -402 bps | |
| Net Interest Margin | 2.38% | 2.54% | 2.82% | 2.42% | 2.46% | 3.15% | 3.34% | 2.99% | +57 bps | |
| Efficiency Ratio | 70.12% | 70.12% | 62.41% | 72.80% | 67.99% | 57.39% | 52.54% | 64.88% | -792 bps | |
| Non-Interest Burden | 1.38% | 1.48% | 1.55% | 1.60% | 1.55% | 1.59% | 1.42% | 1.74% | +14 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% | 0.04% | 0.39% | 0.04% | 0.24% | 1.27% | 1.06% | +67 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 |