Frankfort, IN · Charter 63092
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.56% | 4.07% | 4.70% | 3.89% | 1.04% | 0.45% | 1.46% | 1.41% | -248 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 9.48% | 9.63% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.03% | 3.25% | 4.51% | 4.45% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 74.01% | 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 / Loans | 0.98% | 0.64% | 0.64% | 0.56% | 0.66% | 0.57% | 0.93% | 1.23% | +68 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 | 1.28% | 1.31% | 0.79% | 1.02% | 0.84% | 0.87% | 0.91% | 1.10% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 15.38% | 14.62% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 15.38% | 14.62% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.50% | 76.43% | 81.96% | 66.28% | 69.71% | 57.04% | 69.45% | 62.67% | -361 bps | |
| Liquid Assets / Assets | 17.28% | 28.27% | 27.00% | 36.77% | 30.18% | 41.71% | 35.73% | 39.50% | +272 bps | |