Vevay, IN · Cert 5784
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 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.
Vevay, IN · Cert 5784
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.93% | 0.94% | 1.02% | 1.01% | 1.09% | 1.11% | 1.14% | +12 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 | 4.10% | 4.06% | 4.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 59.60% | 58.56% | 57.76% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.16% | 2.07% | 2.06% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.20% | -3.41% | 9.07% | 7.25% | 12.57% | 7.89% | 5.45% | 3.20% | -405 bps | |
| Loan Growth (YoY) | 11.63% | 9.07% | 12.08% | 10.57% | 7.69% | 6.72% | 1.45% | 0.23% | -1,034 bps | |
| Deposit Growth (YoY) | -7.71% | -4.46% | 6.78% | 7.87% | 13.54% | 7.75% | 8.23% | 4.81% | -306 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 | n/a | n/a | n/a | 0.05% | 0.06% | 0.05% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.62% | 1.65% | 1.67% | 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 | n/a | n/a | n/a | 15.70% | 16.02% | 13.41% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 14.00% | 13.38% | 12.27% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.85% | 85.05% | 83.72% | 84.71% | 80.48% | 84.24% | 78.47% | 81.00% | -370 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.69% | 4.41% | 4.76% | +476 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |