Muncie, IN · Charter 4129
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Muncie, IN · Charter 4129
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.20% | 1.33% | -0.09% | -0.21% | -0.06% | -0.47% | -41.98% | -4,189 bps | |
| Return on Equity | n/a | 0.48% | 3.02% | -0.21% | -0.54% | -0.16% | -1.19% | -130.06% | -12,985 bps | |
| Net Interest Margin | 4.69% | 4.95% | 5.89% | 4.89% | 2.90% | 2.84% | 2.78% | -35.48% | -4,037 bps | |
| Efficiency Ratio | 91.58% | 89.54% | 77.55% | 81.83% | 107.00% | 102.11% | 116.58% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.95% | -18.14% | -26.02% | -22.50% | -2.35% | 9.60% | 9.81% | 4.60% | +2,710 bps | |
| Loan Growth (YoY) | 8.97% | 16.53% | -14.22% | -33.27% | -32.82% | -31.50% | -23.36% | -32.07% | +120 bps | |
| Share Growth (YoY) | -34.80% | -30.68% | -39.21% | -34.76% | -4.73% | 20.87% | 18.48% | 27.58% | +6,233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.58% | 2.62% | 3.40% | 3.70% | 6.05% | 4.58% | 19.23% | +1,582 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 | 0.31% | 0.62% | 0.66% | 0.85% | 2.06% | 2.35% | 2.68% | 3.90% | +305 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 40.78% | 44.03% | 44.34% | 38.57% | 37.74% | 39.80% | 32.28% | -1,206 bps | |
| Net Worth / Assets | n/a | 40.78% | 44.03% | 44.34% | 38.57% | 37.74% | 39.80% | 32.28% | -1,206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.77% | 100.72% | 93.82% | 82.79% | 61.19% | 57.08% | 60.68% | 44.08% | -3,870 bps | |
| Liquid Assets / Assets | 43.35% | 41.00% | 27.49% | 52.54% | 34.53% | 39.30% | 42.08% | 56.47% | +393 bps | |