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Bank One, Indiana, National Association

Indianapolis, IN · Cert 4345

FDIC

Q2 2002

$13.3BAssets
$6.6BLoans
$9.2BDeposits
$1.2BEquity
Loan mix
35%RE $1.9B45%C&I $2.5B20%Consumer $1.1BQ3 2000Q2 2002
Deposit mix
74%Interest-bearing $6.8B26%Noninterest $2.4BQ3 2000Q2 2002

Executive Summary

  • Earnings: ROA of 1.69%, up 75 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.60%.
  • Funding: loans stand at 71.77% of deposits as of Q2 2002.

Return on Assets (quarter, annualized)

1.69%+75 bps YoY

Net Interest Margin (quarter, annualized)

4.26%+31 bps YoY

Efficiency Ratio (quarter, annualized)

50.59%-1,994 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.76%Q1 ’016.76%Q2 ’015.60%Q2 ’02-10%+8%

Non-interest income vs. expense

4.74%Q1 ’015.10%Q2 ’014.55%Q2 ’02-11%-110%

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.34%0.58%1.19%0.95%1.56%1.82%1.78%1.69%+75 bps
Return on Equityn/an/an/a11.68%18.96%21.63%20.18%18.10%+642 bps
Net Interest Marginn/an/a4.38%3.95%4.40%4.61%4.20%4.26%+31 bps
Efficiency Ration/an/a66.89%70.53%60.63%58.10%58.06%50.59%-1,994 bps
Non-Interest Burdenn/an/a2.03%1.82%1.07%0.86%0.54%-0.19%-201 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.71%1.29%1.21%1.47%1.59%1.60%+31 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/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/a12.54%13.18%13.30%12.46%12.66%12.15%-103 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits95.89%88.90%96.76%93.51%93.16%83.48%72.92%71.77%-2,174 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a