Indianapolis, IN · Charter 60371
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.82% | 3.78% | 3.71% | 3.37% | 3.60% | 3.37% | 3.55% | 3.11% | -26 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 | -8.98% | -12.47% | -6.19% | -6.58% | 4.57% | 2.62% | 5.45% | +1,164 bps | |
| Loan Growth (YoY) | n/a | -3.16% | -26.84% | -28.60% | -28.50% | -28.12% | -3.14% | 2.30% | +3,091 bps | |
| Share Growth (YoY) | n/a | -11.46% | -14.67% | -7.28% | -7.06% | 5.09% | 2.69% | 5.98% | +1,327 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 1.30% | 1.98% | 1.92% | 1.58% | 1.03% | 1.13% | 1.01% | -90 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 | 1.27% | 1.57% | 1.93% | 1.78% | 1.94% | 1.89% | 1.74% | 1.81% | +3 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 | 59.16% | 55.63% | 47.31% | 42.06% | 45.51% | 38.05% | 44.62% | 40.60% | -146 bps | |
| Liquid Assets / Assets | 45.08% | 50.14% | 52.54% | 58.31% | 58.76% | 57.42% | 58.94% | 62.21% | +390 bps | |