Marion, IN · Charter 1271
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.95% | 0.89% | 1.16% | 1.21% | 1.10% | 0.93% | 0.89% | -27 bps | |
| Return on Equity | 9.37% | 8.03% | 7.56% | 9.65% | 9.79% | 9.18% | 7.95% | 7.35% | -230 bps | |
| Net Interest Margin | 3.30% | 3.10% | 2.91% | 2.94% | 2.99% | 2.84% | 2.73% | 2.85% | -9 bps | |
| Efficiency Ratio | 68.52% | 70.92% | 72.50% | 70.80% | 68.68% | 69.87% | 76.27% | 72.31% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 3.06% | 4.71% | 5.46% | 3.49% | 8.53% | 9.90% | 7.59% | +213 bps | |
| Loan Growth (YoY) | -0.25% | -0.83% | -0.44% | 0.98% | 1.26% | 3.03% | 2.22% | 1.23% | +25 bps | |
| Share Growth (YoY) | 4.04% | 2.56% | 4.27% | 4.52% | 2.80% | 8.33% | 9.81% | 7.93% | +341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 1.14% | 0.54% | 0.78% | 0.53% | 0.73% | 0.76% | 0.62% | -16 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 | 0.73% | 0.73% | 0.78% | 0.64% | 0.65% | 0.65% | 0.58% | 0.63% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.70% | 11.87% | 11.73% | 12.01% | 12.34% | 12.04% | 11.77% | 12.14% | +13 bps | |
| Net Worth / Assets | 11.70% | 11.87% | 11.73% | 12.01% | 12.34% | 12.04% | 11.77% | 12.14% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.11% | 60.24% | 57.75% | 59.31% | 60.19% | 57.29% | 53.75% | 55.63% | -368 bps | |
| Liquid Assets / Assets | 19.74% | 18.30% | 24.76% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |