Indianapolis, IN · Charter 60162
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.
Indianapolis, IN · Charter 60162
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 | 4.44% | 2.92% | 2.99% | 1.73% | 0.32% | 0.79% | 0.77% | 0.24% | -149 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.21% | 0.38% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 10.98% | 6.17% | 6.00% | 4.08% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.13% | 87.28% | 87.18% | 94.28% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.65% | -29.89% | -21.05% | -50.86% | -52.22% | -52.25% | -51.60% | -28.95% | +2,192 bps | |
| Loan Growth (YoY) | -38.79% | -46.10% | -36.15% | -43.42% | -51.24% | -70.79% | -77.25% | -80.19% | -3,677 bps | |
| Share Growth (YoY) | -36.20% | -40.83% | -30.53% | -69.11% | -73.83% | -72.78% | -72.72% | -42.42% | +2,668 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.11% | 1.30% | 2.22% | 2.05% | 0.82% | 34.94% | 39.19% | 68.87% | +6,681 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 | 4.59% | 4.15% | 4.21% | 5.19% | 5.36% | 10.42% | 7.07% | 12.49% | +730 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 63.47% | 62.26% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 63.47% | 62.26% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.17% | 100.58% | 107.95% | 168.41% | 190.34% | 107.91% | 90.01% | 57.96% | -11,046 bps | |
| Liquid Assets / Assets | 28.89% | 0.00% | 0.00% | 24.64% | 0.00% | 47.82% | 68.34% | 79.48% | +5,484 bps | |