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
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.57% | 0.74% | 0.43% | 0.53% | 0.20% | -0.15% | -0.06% | -49 bps | |
| Return on Equity | 9.29% | 10.64% | 5.18% | 3.19% | 3.86% | 1.38% | -1.16% | -0.43% | -362 bps | |
| Net Interest Margin | 4.25% | 3.95% | 3.33% | 3.23% | 3.20% | 3.28% | 2.97% | 3.27% | +4 bps | |
| Efficiency Ratio | 68.84% | 62.68% | 78.92% | 86.90% | 83.72% | 84.59% | 77.68% | 75.38% | -1,152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.79% | -17.14% | -6.86% | 7.84% | 14.85% | 4.10% | 8.43% | -1.94% | -979 bps | |
| Loan Growth (YoY) | 3.09% | -2.36% | -3.18% | -5.69% | -15.92% | -9.20% | -6.10% | -6.27% | -58 bps | |
| Share Growth (YoY) | -18.26% | -21.27% | -9.82% | 7.36% | 15.92% | 4.61% | 9.66% | -2.17% | -953 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 2.48% | 5.42% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.66% | 2.51% | 1.69% | 1.81% | 2.76% | 2.80% | 3.57% | +189 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.60% | 14.79% | 14.29% | 13.58% | 13.81% | 14.39% | 13.32% | 13.79% | +21 bps | |
| Net Worth / Assets | 14.60% | 14.79% | 14.29% | 13.58% | 13.81% | 14.39% | 13.32% | 13.79% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.35% | 49.66% | 46.58% | 42.77% | 41.60% | 43.10% | 39.89% | 40.98% | -179 bps | |
| Liquid Assets / Assets | 49.78% | 56.72% | 59.27% | 55.82% | 58.92% | 55.79% | 62.60% | 61.91% | +610 bps | |