Fort Wayne, IN · Charter 8374
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Fort Wayne, IN · Charter 8374
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 1.72% | -4.30% | -0.34% | 4.21% | +345 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -3.15% | -2.09% | 3.95% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -16.92% | -6.33% | 3.46% | n/a | |
| Share Growth (YoY) | n/a | n/a | 3.43% | 2.42% | 6.89% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.98% | 0.67% | 1.92% | 0.91% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.37% | 1.63% | 1.63% | 1.43% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.80% | 76.75% | 69.69% | 76.94% | 78.21% | -259 bps | |
| Liquid Assets / Assets | 16.84% | 18.97% | 23.47% | 21.49% | 20.27% | +343 bps | |