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Nickel Plate Industrial

Frankfort, IN · Charter 63092

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nickel Plate Industrial

Frankfort, IN · Charter 63092

Q2 2001

$7.1MAssets
$3.8MLoans
$6.1MShares
$1.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.41%, down 248 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 1.23% of loans (+68 bps YoY).
  • Capital: net worth / assets of 14.62%.
  • Funding: loans stand at 62.67% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

1.41%-248 bps YoY

Net Interest Margin (YTD, annualized)

4.45%

Efficiency Ratio (YTD, annualized)

68.48%

Net Worth / Assets

14.62%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.56%4.07%4.70%3.89%1.04%0.45%1.46%1.41%-248 bps
Return on Equityn/an/an/an/an/an/a9.48%9.63%n/a
Net Interest Marginn/an/an/an/a4.03%3.25%4.51%4.45%n/a
Efficiency Ration/an/an/an/a74.01%75.90%64.75%68.48%n/a
Growth
Asset Growth (YoY)11.32%6.49%17.29%22.52%18.36%34.26%19.88%16.47%-605 bps
Loan Growth (YoY)18.43%6.52%12.81%10.75%-3.27%2.77%1.91%9.70%-105 bps
Share Growth (YoY)8.13%3.49%16.43%22.89%18.64%37.71%20.28%16.01%-688 bps
Asset Quality
Delinquent Loans / Loans0.98%0.64%0.64%0.56%0.66%0.57%0.93%1.23%+68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.28%1.31%0.79%1.02%0.84%0.87%0.91%1.10%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a15.38%14.62%n/a
Net Worth / Assetsn/an/an/an/an/an/a15.38%14.62%n/a
Liquidity & Funding
Loans / Shares85.50%76.43%81.96%66.28%69.71%57.04%69.45%62.67%-361 bps
Liquid Assets / Assets17.28%28.27%27.00%36.77%30.18%41.71%35.73%39.50%+272 bps