Gary, IN · Charter 82759
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.36% | 2.31% | 2.44% | 0.34% | -0.06% | -0.03% | -0.61% | -0.32% | -66 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -0.12% | -2.80% | -1.41% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.68% | 5.06% | 5.57% | 5.07% | 5.43% | -25 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 85.13% | 93.36% | 92.46% | 98.65% | 96.26% | +1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.30% | 0.58% | -2.05% | -5.96% | -8.17% | -15.47% | -18.68% | -15.25% | -929 bps | |
| Loan Growth (YoY) | -17.54% | -18.47% | -11.16% | -17.40% | -11.04% | -11.65% | -19.70% | -17.11% | +30 bps | |
| Share Growth (YoY) | -4.21% | 1.42% | -2.24% | -9.89% | -9.28% | -19.30% | -22.56% | -17.52% | -762 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.51% | 4.77% | 4.92% | 9.32% | 8.06% | 6.25% | 15.57% | 5.99% | -333 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 | 2.68% | 2.46% | 3.35% | 2.87% | 2.63% | 2.45% | 2.69% | 2.26% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 21.26% | 21.62% | 22.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 21.26% | 21.62% | 22.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.15% | 50.28% | 49.14% | 53.44% | 48.20% | 55.05% | 50.96% | 53.70% | +27 bps | |
| Liquid Assets / Assets | 29.07% | 33.38% | 26.37% | 28.54% | 30.91% | 32.06% | 39.71% | 29.64% | +110 bps | |