Fort Wayne, IN · Charter 62095
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.76% | 0.04% | 0.37% | 0.01% | 0.06% | -0.20% | -0.55% | -92 bps | |
| Return on Equity | n/a | 5.26% | 0.28% | 2.28% | 0.09% | 0.34% | -1.10% | -3.00% | -528 bps | |
| Net Interest Margin | 5.01% | 5.44% | 5.00% | 5.41% | 5.14% | 5.15% | 5.35% | 5.02% | -39 bps | |
| Efficiency Ratio | 90.83% | 88.12% | 99.31% | 94.25% | 99.77% | 99.05% | 97.30% | 104.32% | +1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.84% | 2.32% | -3.77% | -8.01% | -15.69% | -10.69% | -17.75% | -16.30% | -829 bps | |
| Loan Growth (YoY) | 7.60% | 3.59% | -6.81% | -19.71% | -24.16% | -27.35% | -30.31% | -28.37% | -866 bps | |
| Share Growth (YoY) | 9.37% | 0.58% | -5.91% | -10.95% | -18.84% | -13.04% | -20.69% | -18.43% | -748 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 1.95% | 0.91% | 1.86% | 0.77% | 4.75% | 3.39% | 1.94% | +8 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 | 2.22% | 2.23% | 0.72% | 0.80% | 0.82% | 1.04% | 0.77% | 0.00% | -80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 14.49% | 14.43% | 16.20% | 16.30% | 16.87% | 17.74% | 18.28% | +208 bps | |
| Net Worth / Assets | n/a | 14.49% | 14.43% | 16.20% | 16.30% | 16.87% | 17.74% | 18.28% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.18% | 81.21% | 73.48% | 73.92% | 70.26% | 67.85% | 64.56% | 64.90% | -901 bps | |
| Liquid Assets / Assets | 16.23% | 22.64% | 31.34% | 32.12% | 16.01% | 38.87% | 31.76% | 33.35% | +122 bps | |