Indianapolis, IN · Cert 4345
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Indianapolis, IN · Cert 4345
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.58% | 1.19% | 1.06% | 1.23% | 1.36% | 1.78% | 1.71% | +65 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 20.18% | 19.00% | n/a | |
| Net Interest Margin | n/a | n/a | 4.38% | 4.22% | 4.43% | 4.47% | 4.20% | 4.21% | 0 bps | |
| Efficiency Ratio | n/a | n/a | 66.89% | 68.71% | 65.83% | 63.71% | 58.06% | 54.26% | -1,445 bps | |
| Non-Interest Burden | n/a | n/a | 2.03% | 1.95% | 1.73% | 1.51% | 0.54% | 0.17% | -178 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.53% | -2.42% | -2.52% | -4.53% | -10.33% | -8.08% | -11.73% | -7.54% | -301 bps | |
| Loan Growth (YoY) | -0.26% | -7.00% | 2.63% | -8.98% | -11.87% | -10.09% | -24.54% | -21.88% | -1,290 bps | |
| Deposit Growth (YoY) | -5.33% | -7.16% | -9.68% | -9.34% | -9.29% | -4.26% | 0.13% | 1.79% | +1,113 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 | n/a | n/a | 0.71% | 1.02% | 1.10% | 1.26% | 1.59% | 1.61% | +59 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | 12.54% | 13.18% | 13.30% | 12.46% | 12.66% | 12.15% | -103 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.89% | 88.90% | 96.76% | 93.51% | 93.16% | 83.48% | 72.92% | 71.77% | -2,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |