Indianapolis, IN · Charter 67232
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Indianapolis, IN · Charter 67232
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.53% | 0.20% | -0.15% | -0.06% | -49 bps | |
| Return on Equity | 3.19% | 3.86% | 1.38% | -1.16% | -0.43% | -362 bps | |
| Net Interest Margin | 3.23% | 3.20% | 3.28% | 2.97% | 3.27% | +4 bps | |
| Efficiency Ratio | 86.90% | 83.72% | 84.59% | 77.68% | 75.38% | -1,152 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.84% | 14.85% | 4.10% | 8.43% | -1.94% | -979 bps | |
| Loan Growth (YoY) | -5.69% | -15.92% | -9.20% | -6.10% | -6.27% | -58 bps | |
| Share Growth (YoY) | 7.36% | 15.92% | 4.61% | 9.66% | -2.17% | -953 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.08% | 7.70% | 11.10% | 7.62% | 7.68% | +160 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.81% | 2.76% | 2.80% | 3.57% | +189 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.58% | 13.81% | 14.39% | 13.32% | 13.79% | +21 bps | |
| Net Worth / Assets | 13.58% | 13.81% | 14.39% | 13.32% | 13.79% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.77% | 41.60% | 43.10% | 39.89% | 40.98% | -179 bps | |
| Liquid Assets / Assets | 55.82% | 58.92% | 55.79% | 62.60% | 61.91% | +610 bps | |