Gary, IN · Charter 4991
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Gary, IN · Charter 4991
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.15% | 3.17% | 3.96% | 3.75% | -1.78% | 1.31% | 0.71% | -5.02% | -877 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 7.25% | -64.76% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.78% | 5.43% | 5.61% | 5.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 83.97% | 81.84% | 90.04% | 144.92% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.59% | 20.39% | 18.16% | 15.21% | 12.84% | 10.81% | 12.02% | -0.63% | -1,585 bps | |
| Loan Growth (YoY) | 16.88% | 22.06% | 28.01% | 15.35% | -0.78% | 5.39% | 1.48% | 19.25% | +390 bps | |
| Share Growth (YoY) | 15.45% | 21.27% | 17.96% | 14.82% | 15.84% | 12.26% | 17.82% | 2.75% | -1,208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.40% | 4.30% | 5.73% | 6.16% | 4.43% | 2.10% | 7.21% | 7.52% | +136 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 | 1.66% | 1.57% | 1.36% | 1.32% | 4.51% | 3.37% | 3.54% | 3.57% | +225 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 9.76% | 7.76% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.76% | 7.76% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.48% | 88.91% | 97.43% | 90.35% | 86.07% | 83.47% | 83.92% | 104.86% | +1,451 bps | |
| Liquid Assets / Assets | 3.94% | 8.92% | 6.68% | 4.24% | 0.36% | 11.74% | 17.85% | 3.60% | -63 bps | |