Indianapolis, IN · Charter 60008
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.62% | 5.71% | 5.28% | 6.63% | 3.27% | 4.18% | 3.52% | 0.16% | -647 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 | 3.00% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 93.16% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | -1.84% | -18.15% | -29.53% | -28.37% | -27.38% | -13.79% | 9.34% | +3,887 bps | |
| Loan Growth (YoY) | 20.50% | 14.92% | 10.51% | -9.50% | -26.10% | -44.87% | -39.48% | -30.49% | -2,099 bps | |
| Share Growth (YoY) | -0.76% | -4.40% | -22.71% | -35.92% | -34.05% | -32.88% | -17.62% | 11.24% | +4,715 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.43% | 0.19% | 1.21% | 1.42% | 0.56% | 0.30% | 2.06% | +85 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 | 0.53% | 0.51% | 1.60% | 1.83% | 2.11% | 2.41% | 2.34% | 2.43% | +60 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 | 83.70% | 90.61% | 104.51% | 110.08% | 93.77% | 74.43% | 76.78% | 68.79% | -4,129 bps | |
| Liquid Assets / Assets | 28.71% | 18.72% | 16.08% | 7.38% | 9.40% | 32.70% | 12.56% | 28.64% | +2,126 bps | |