Bloomington, IN · Charter 10827
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.94% | 0.95% | 0.96% | 0.99% | 0.91% | 1.00% | 0.90% | -6 bps | |
| Return on Equity | 6.98% | 7.74% | 7.71% | 7.88% | 7.87% | 7.65% | 8.32% | 7.50% | -38 bps | |
| Net Interest Margin | 2.78% | 2.84% | 2.85% | 2.82% | 2.85% | 2.69% | 2.70% | 2.69% | -13 bps | |
| Efficiency Ratio | 75.60% | 74.29% | 73.68% | 72.97% | 72.34% | 73.55% | 70.48% | 71.57% | -140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | 3.21% | 5.76% | 6.79% | 9.40% | 10.66% | 11.41% | 9.43% | +264 bps | |
| Loan Growth (YoY) | 10.18% | 13.32% | 19.98% | 22.42% | 20.01% | 15.83% | 7.16% | 2.12% | -2,030 bps | |
| Share Growth (YoY) | 1.58% | 2.41% | 5.31% | 6.30% | 9.47% | 11.22% | 12.19% | 9.80% | +351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.78% | 0.58% | 0.56% | 0.58% | 0.62% | 0.72% | 0.69% | +14 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 | 0.37% | 0.38% | 0.36% | 0.35% | 0.38% | 0.40% | 0.43% | 0.45% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.66% | 12.09% | 12.28% | 12.18% | 12.56% | 11.85% | 12.00% | 12.04% | -13 bps | |
| Net Worth / Assets | 12.66% | 12.09% | 12.28% | 12.18% | 12.56% | 11.85% | 12.00% | 12.04% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.27% | 65.47% | 71.03% | 72.54% | 74.84% | 68.18% | 67.85% | 67.46% | -508 bps | |
| Liquid Assets / Assets | 31.68% | 33.47% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |