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Nipsco Industries

Merrillville, IN · Charter 532

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nipsco Industries

Merrillville, IN · Charter 532

Q3 2006

$47.4MAssets
$20.1MLoans
$40.1MShares
$7.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.95%, up 10 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 1.22% of loans (+47 bps YoY).
  • Capital: net worth / assets of 14.85%, up 115 bps from a year ago.
  • Funding: loans stand at 49.99% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

0.95%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.82%0 bps YoY

Efficiency Ratio (YTD, annualized)

69.46%-20 bps YoY

Net Worth / Assets

14.85%+115 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.86%0.87%0.88%0.85%0.86%0.92%0.88%0.95%+10 bps
Return on Equity6.55%6.64%6.51%6.20%6.08%6.60%6.14%6.41%+21 bps
Net Interest Margin2.77%2.69%2.78%2.83%2.87%2.65%2.73%2.82%0 bps
Efficiency Ratio69.86%70.47%69.71%69.66%70.42%67.75%70.42%69.46%-20 bps
Growth
Asset Growth (YoY)3.33%3.89%1.51%0.88%-0.56%0.11%0.22%-1.63%-252 bps
Loan Growth (YoY)-0.26%5.72%6.47%7.15%5.28%-0.33%-3.93%-7.92%-1,507 bps
Share Growth (YoY)2.73%3.31%0.60%-0.08%-1.73%-0.82%-0.74%-2.96%-288 bps
Asset Quality
Delinquent Loans / Loans0.71%0.37%0.36%0.75%1.02%0.90%1.00%1.22%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.86%0.83%0.74%0.75%0.70%0.68%0.63%0.56%-19 bps
Capital
Risk-Based Capital13.12%13.07%13.46%13.70%14.16%13.90%14.27%14.85%+115 bps
Net Worth / Assets13.12%13.07%13.46%13.70%14.16%13.90%14.27%14.85%+115 bps
Liquidity & Funding
Loans / Shares49.25%49.33%50.76%52.69%52.76%49.57%49.12%49.99%-270 bps
Liquid Assets / Assets22.33%34.30%22.76%21.91%24.17%34.10%0.00%0.00%-2,191 bps