Fort Wayne, IN · Charter 4922
Q2 1998
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.59% | 3.57% | 3.70% | 3.82% | 3.90% | 3.94% | 4.09% | 3.24% | -58 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 10.85% | 16.09% | 16.31% | 9.78% | 5.17% | -567 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 20.34% | 16.99% | 19.17% | 15.15% | 3.15% | -1,719 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 10.27% | 15.86% | 16.03% | 9.09% | 4.57% | -570 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.24% | 0.06% | 0.59% | 0.14% | 1.24% | 0.38% | 0.62% | 0.89% | +75 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 | 0.24% | 0.23% | 0.22% | 0.14% | 0.19% | 0.32% | 0.38% | 0.46% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.10% | 75.94% | 75.42% | 74.71% | 80.89% | 78.00% | 79.61% | 73.70% | -102 bps | |
| Liquid Assets / Assets | 10.72% | 11.99% | 16.60% | 13.41% | 11.37% | 13.64% | 19.45% | 26.64% | +1,323 bps | |