Lafayette, IN · Cert 11990
FDIC · 5 branches
Q3 2014
Market Position · Lafayette-West Lafayette, IN · 2014 SOD (annual) · 10.8% share · #4 of 20 inst. · $0.3B of $2.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.77% | 0.78% | 0.80% | 0.60% | 0.64% | 0.68% | 0.40% | -40 bps | |
| Return on Equity | 7.25% | 7.14% | 7.18% | 7.32% | 5.44% | 5.79% | 6.10% | 3.51% | -381 bps | |
| Net Interest Margin | 3.33% | 3.27% | 3.18% | 3.15% | 3.03% | 3.03% | 3.01% | 3.04% | -10 bps | |
| Efficiency Ratio | 64.13% | 63.08% | 66.89% | 68.37% | 74.90% | 74.04% | 70.05% | 81.91% | +1,354 bps | |
| Non-Interest Burden | 1.54% | 1.61% | 1.71% | 1.83% | 2.07% | 2.02% | 1.80% | 2.31% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | -2.69% | -0.46% | 0.05% | 0.93% | 1.27% | 0.84% | 0.85% | +80 bps | |
| Loan Growth (YoY) | -5.77% | -6.43% | -7.26% | -11.78% | -8.76% | -6.70% | -5.25% | 0.21% | +1,199 bps | |
| Deposit Growth (YoY) | 0.05% | -1.66% | 1.15% | 1.07% | 2.04% | 0.97% | 0.34% | 0.46% | -61 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 | 0.11% | 0.34% | -0.08% | -0.05% | 0.09% | -0.07% | 0.62% | -0.09% | -4 bps | |
| Allowance / Loans | 2.05% | 2.15% | 2.31% | 2.45% | 2.42% | 2.44% | 2.34% | 2.35% | -10 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 | 16.00% | 16.20% | 16.39% | 17.35% | 17.39% | 17.48% | 17.82% | 17.64% | +29 bps | |
| Equity / Assets | 10.57% | 10.85% | 10.77% | 11.18% | 10.93% | 11.19% | 11.22% | 11.46% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.82% | 90.51% | 87.27% | 85.96% | 83.00% | 83.63% | 82.41% | 85.74% | -21 bps | |
| Liquid Assets / Assets | 7.70% | 6.24% | 6.35% | 6.43% | 5.95% | 5.67% | 6.11% | 3.71% | -273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |