New Albany, IN · Cert 11338
FDIC
Q3 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.35% | 0.51% | 0.51% | -1.14% | 0.54% | -0.50% | 0.08% | -42 bps | |
| Return on Equity | 5.85% | 2.59% | 3.71% | 3.67% | -8.47% | 4.29% | -3.94% | 0.66% | -302 bps | |
| Net Interest Margin | 3.31% | 3.06% | 3.05% | 3.00% | 2.95% | 2.62% | 2.81% | 0.35% | -264 bps | |
| Efficiency Ratio | 63.67% | 80.11% | 76.34% | 76.82% | 77.30% | 81.56% | 85.66% | 68.32% | -850 bps | |
| Non-Interest Burden | 1.93% | 2.36% | 2.21% | 2.18% | 2.98% | 1.99% | 2.31% | 0.22% | -196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.95% | 0.73% | -2.21% | 1.03% | 1.73% | -0.13% | -4.01% | -12.51% | -1,354 bps | |
| Loan Growth (YoY) | 1.58% | -0.62% | -6.08% | -2.80% | 1.09% | -0.38% | -1.27% | -9.20% | -640 bps | |
| Deposit Growth (YoY) | -3.88% | -3.07% | -1.68% | -1.13% | 0.10% | 9.03% | -12.77% | -19.95% | -1,882 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.43% | 0.73% | 0.52% | 0.43% | 0.82% | 0.94% | 0.07% | -45 bps | |
| Allowance / Loans | 1.36% | 1.07% | 1.10% | 1.11% | 2.56% | 2.40% | 3.12% | 3.30% | +220 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.72% | 14.76% | 14.80% | 14.92% | 13.88% | 14.10% | 13.86% | 14.39% | -54 bps | |
| Equity / Assets | 13.53% | 13.84% | 13.84% | 13.99% | 12.27% | 12.88% | 12.57% | 13.48% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.84% | 107.52% | 100.00% | 101.79% | 108.91% | 98.23% | 113.18% | 115.46% | +1,367 bps | |
| Liquid Assets / Assets | 2.45% | 2.30% | 2.16% | 2.94% | 2.77% | 2.98% | 2.80% | 3.15% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |