Michigan City, IN · Charter 11606
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.42% | -0.58% | 0.19% | 0.55% | 1.01% | -0.47% | 0.03% | -0.22% | -77 bps | |
| Return on Equity | -8.77% | -3.56% | 1.11% | 3.15% | 5.56% | -2.62% | 0.17% | -1.14% | -429 bps | |
| Net Interest Margin | 3.31% | 3.11% | 3.14% | 3.18% | 3.12% | 3.39% | 3.53% | 3.46% | +28 bps | |
| Efficiency Ratio | 87.76% | 88.08% | 87.74% | 87.80% | 88.71% | 87.37% | 85.33% | 92.03% | +424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.88% | -7.32% | -5.90% | -5.42% | -5.36% | -3.78% | -5.77% | -6.19% | -78 bps | |
| Loan Growth (YoY) | -17.33% | -16.39% | -17.95% | -9.21% | -9.36% | -11.64% | -14.21% | -15.09% | -588 bps | |
| Share Growth (YoY) | -4.28% | -6.94% | -5.85% | -6.79% | -7.39% | -5.68% | -8.08% | -7.69% | -89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 2.33% | 1.21% | 2.52% | 2.40% | 1.59% | 1.17% | 1.53% | -100 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 | 2.57% | 3.33% | 3.14% | 2.89% | 0.72% | 1.16% | 1.42% | 1.56% | -133 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.21% | 16.39% | 17.00% | 17.59% | 18.13% | 18.09% | 19.01% | 19.22% | +163 bps | |
| Net Worth / Assets | 16.21% | 16.39% | 17.00% | 17.59% | 18.13% | 18.09% | 19.01% | 19.22% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.83% | 47.99% | 49.21% | 48.96% | 47.79% | 44.95% | 45.93% | 45.04% | -393 bps | |
| Liquid Assets / Assets | 38.29% | 35.31% | 37.76% | 43.94% | 37.79% | 31.11% | 43.35% | 46.93% | +300 bps | |