Indianapolis, IN · Charter 5813
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.58% | 5.03% | 5.08% | 4.23% | 4.39% | 2.30% | 1.60% | 0.95% | -328 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 | -6.27% | -6.69% | -1.62% | -0.53% | -2.79% | -4.76% | -13.94% | -1,232 bps | |
| Loan Growth (YoY) | n/a | 28.04% | 39.49% | 59.46% | 86.79% | 74.30% | 14.07% | -22.89% | -8,234 bps | |
| Share Growth (YoY) | n/a | -9.10% | -8.18% | -1.52% | -2.98% | -2.72% | -4.20% | -13.41% | -1,189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.86% | 2.57% | 0.63% | 1.56% | 5.13% | 1.96% | 6.73% | +610 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 | 1.67% | 1.79% | 1.88% | 1.32% | 0.77% | 2.42% | 1.72% | 2.93% | +162 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 | 26.31% | 25.92% | 33.66% | 42.06% | 50.65% | 46.43% | 40.08% | 37.45% | -461 bps | |
| Liquid Assets / Assets | 16.87% | 21.48% | 22.59% | 27.91% | 35.62% | 40.80% | 15.84% | 42.79% | +1,488 bps | |