Anderson, IN · Charter 82751
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.32% | 2.70% | 0.32% | -0.07% | 0.31% | 0.66% | -0.09% | -0.42% | -35 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.93% | 5.96% | -0.86% | -3.64% | n/a | |
| Net Interest Margin | n/a | n/a | 7.43% | 6.16% | 6.45% | 5.74% | 5.25% | 4.85% | -130 bps | |
| Efficiency Ratio | n/a | n/a | 57.21% | 61.98% | 64.08% | 73.87% | 88.02% | 98.74% | +3,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.22% | -16.47% | -19.57% | -16.88% | -14.91% | -16.24% | -6.02% | -19.22% | -233 bps | |
| Loan Growth (YoY) | -6.61% | -10.54% | -13.41% | -18.23% | -20.50% | -27.70% | -31.98% | -38.67% | -2,044 bps | |
| Share Growth (YoY) | -5.54% | -15.21% | -21.05% | -17.37% | -16.89% | -18.81% | -6.95% | -21.35% | -398 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.73% | 2.70% | 4.16% | 3.54% | 6.97% | 4.59% | 9.28% | 4.23% | +69 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 | 2.82% | 2.60% | 2.59% | 4.24% | 4.62% | 5.25% | 5.97% | 6.31% | +207 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.41% | 11.00% | 10.52% | 11.48% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.41% | 11.00% | 10.52% | 11.48% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.81% | 85.52% | 91.32% | 81.89% | 82.08% | 76.16% | 66.76% | 63.86% | -1,803 bps | |
| Liquid Assets / Assets | 6.25% | 5.34% | 2.35% | 8.39% | 18.17% | 24.86% | 33.01% | 35.52% | +2,713 bps | |