PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Indianapolis Power & Light

Indianapolis, IN · Charter 82771

Q3 2006

$17.8MAssets
$12.8MLoans
$13.6MShares
$4.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.47%, down 13 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.48% of loans (-105 bps YoY).
  • Capital: net worth / assets of 23.43%, up 42 bps from a year ago.
  • Funding: loans stand at 94.53% of shares as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

0.47%-13 bps YoY

Net Interest Margin (quarter, annualized)

4.86%-5 bps YoY

Efficiency Ratio (quarter, annualized)

91.61%+265 bps YoY

Net Worth / Assets

23.43%+42 bps YoY

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.61%0.58%0.15%0.28%0.47%-13 bps
Return on Equity2.64%2.62%0.70%1.33%2.02%-62 bps
Net Interest Margin4.91%4.68%4.43%4.41%4.86%-5 bps
Efficiency Ratio88.96%89.01%97.00%94.42%91.61%+265 bps
Growth
Asset Growth (YoY)0.90%1.32%3.79%5.62%0.39%-51 bps
Loan Growth (YoY)5.47%3.73%1.38%-0.39%-6.93%-1,241 bps
Share Growth (YoY)-4.15%2.61%3.97%9.00%3.70%+785 bps
Asset Quality
Delinquent Loans / Loans1.53%1.36%1.63%1.54%0.48%-105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.28%0.92%0.94%0.86%0.61%-67 bps
Capital
Risk-Based Capital23.02%22.17%21.65%21.32%23.43%+42 bps
Net Worth / Assets23.02%22.17%21.65%21.32%23.43%+42 bps
Liquidity & Funding
Loans / Shares105.33%95.15%89.91%86.54%94.53%-1,080 bps
Liquid Assets / Assets6.41%13.12%19.16%0.00%0.00%-641 bps