Indianapolis, IN · Charter 7179
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.68% | 4.74% | 4.15% | 3.91% | 3.30% | 3.66% | 3.25% | 2.98% | -93 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 24.27% | 21.28% | 27.03% | 30.71% | 0.73% | 2.90% | -1,838 bps | |
| Loan Growth (YoY) | n/a | n/a | 44.11% | 38.44% | 18.60% | 10.45% | -5.59% | -23.50% | -6,194 bps | |
| Share Growth (YoY) | n/a | n/a | 23.27% | 21.06% | 28.85% | 33.17% | -0.62% | 1.81% | -1,926 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.35% | 1.59% | 1.45% | 1.19% | 1.14% | 0.69% | 0.85% | -60 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 | 0.23% | 0.23% | 0.33% | 0.74% | 1.17% | 1.10% | 1.01% | 1.37% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.61% | 74.35% | 71.76% | 85.02% | 72.36% | 61.67% | 68.17% | 63.89% | -2,114 bps | |
| Liquid Assets / Assets | 28.68% | 31.15% | 28.17% | 14.24% | 27.94% | 36.81% | 33.49% | 31.94% | +1,770 bps | |