Marion, IN · Charter 11545
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Marion, IN · Charter 11545
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.29% | 0.58% | -0.93% | 0.32% | -1.50% | 2.34% | 1.47% | +241 bps | |
| Return on Equity | 0.37% | 3.23% | 6.10% | -10.67% | 3.30% | -18.98% | 27.82% | 16.43% | +2,710 bps | |
| Net Interest Margin | 2.59% | 2.62% | 2.81% | 2.76% | 2.89% | 3.01% | 3.24% | 3.48% | +72 bps | |
| Efficiency Ratio | 72.03% | 71.22% | 65.40% | 65.59% | 57.86% | 68.31% | 57.24% | 61.59% | -400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 5.26% | -1.23% | -2.88% | -2.30% | -3.05% | -0.01% | -1.89% | +99 bps | |
| Loan Growth (YoY) | 5.28% | 1.07% | -3.39% | -4.99% | 5.66% | 3.48% | 13.55% | 5.72% | +1,071 bps | |
| Share Growth (YoY) | 7.94% | 5.53% | -1.69% | -3.93% | -3.25% | -1.78% | 1.03% | -1.03% | +290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.24% | 4.31% | 4.57% | 5.57% | 4.78% | 1.95% | 4.41% | 3.69% | -187 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 | 1.40% | 1.39% | 1.48% | 1.42% | 1.33% | 1.51% | 1.64% | 1.35% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.85% | 9.10% | 9.44% | 8.72% | 9.57% | 7.89% | 8.40% | 8.97% | +26 bps | |
| Net Worth / Assets | 8.85% | 9.10% | 9.44% | 8.72% | 9.57% | 7.89% | 8.40% | 8.97% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.90% | 76.99% | 76.20% | 78.17% | 85.07% | 81.11% | 85.64% | 83.50% | +533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |