Indianapolis, IN · Charter 61456
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 | 2.34% | 2.58% | 2.50% | 0.77% | -1.62% | -1.37% | 0.00% | 1.28% | +51 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -0.02% | 9.64% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.26% | 3.73% | 5.52% | 5.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 144.84% | 133.04% | 100.05% | 77.02% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.21% | 3.76% | 0.94% | -16.12% | -19.67% | -17.74% | -17.03% | -3.37% | +1,274 bps | |
| Loan Growth (YoY) | 26.10% | -23.46% | -19.71% | 0.84% | -44.07% | -40.94% | -60.03% | -100.00% | -10,084 bps | |
| Share Growth (YoY) | 12.15% | 6.01% | 2.99% | -16.49% | -19.60% | -14.76% | -16.62% | 1.55% | +1,804 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 0.67% | 0.75% | 0.78% | 0.76% | 1.20% | 1.28% | 1.95% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.29% | 13.26% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.29% | 13.26% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.31% | 33.56% | 31.04% | 39.05% | 24.56% | 23.25% | 14.88% | 0.00% | -3,905 bps | |
| Liquid Assets / Assets | 39.71% | 61.22% | 65.08% | 49.95% | 71.39% | 0.00% | 82.92% | 99.16% | +4,921 bps | |