Crane, IN · Charter 10544
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.69% | 0.90% | 0.89% | 0.93% | 0.73% | 0.74% | 0.64% | -25 bps | |
| Return on Equity | 6.20% | 5.38% | 6.75% | 6.52% | 6.75% | 5.38% | 5.38% | 4.72% | -179 bps | |
| Net Interest Margin | 2.86% | 2.85% | 2.95% | 2.98% | 2.95% | 2.81% | 2.77% | 2.57% | -41 bps | |
| Efficiency Ratio | 73.53% | 75.18% | 73.08% | 72.42% | 72.37% | 76.05% | 75.59% | 76.93% | +451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 1.70% | 0.38% | -0.91% | 0.92% | 0.13% | 4.53% | 14.74% | +1,565 bps | |
| Loan Growth (YoY) | 6.25% | 5.77% | 6.55% | 4.58% | 4.13% | 4.19% | 4.54% | 12.47% | +788 bps | |
| Share Growth (YoY) | 1.66% | 0.01% | -3.44% | -1.99% | -2.04% | -1.72% | 5.03% | 14.84% | +1,683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.75% | 1.64% | 0.92% | 0.84% | 1.15% | 0.67% | 1.09% | +16 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 | 0.43% | 0.49% | 0.49% | 0.53% | 0.48% | 0.49% | 0.48% | 0.47% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.02% | 12.75% | 13.34% | 13.73% | 13.83% | 13.65% | 13.78% | 13.57% | -16 bps | |
| Net Worth / Assets | 13.02% | 12.75% | 13.34% | 13.73% | 13.83% | 13.65% | 13.78% | 13.57% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.26% | 67.67% | 73.19% | 74.05% | 74.69% | 71.74% | 72.85% | 72.52% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |