English, IN · Cert 12827
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
English, IN · Cert 12827
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.82% | 0.89% | -1.08% | -0.59% | 0.79% | 0.32% | -0.49% | +59 bps | |
| Return on Equity | 11.34% | 10.88% | 11.84% | -14.80% | -8.16% | 11.09% | 4.43% | -6.74% | +806 bps | |
| Net Interest Margin | 3.23% | 3.32% | 3.43% | 3.42% | 3.54% | 3.61% | 3.52% | 3.49% | +8 bps | |
| Efficiency Ratio | 62.62% | 65.69% | 64.01% | 64.92% | 65.72% | 69.44% | 75.44% | 100.54% | +3,562 bps | |
| Non-Interest Burden | 1.78% | 1.98% | 1.95% | 1.99% | 2.11% | 2.32% | 2.49% | 3.52% | +153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | 6.01% | 4.94% | -2.03% | -4.06% | -3.02% | -5.03% | -7.04% | -501 bps | |
| Loan Growth (YoY) | 4.85% | 6.08% | 4.46% | 9.43% | 5.57% | 5.01% | 0.94% | -3.15% | -1,258 bps | |
| Deposit Growth (YoY) | -3.79% | 1.45% | 3.92% | 3.94% | 1.16% | 5.79% | 6.27% | 7.29% | +335 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 | 0.10% | 0.14% | 0.09% | 0.09% | 0.15% | 0.07% | 0.10% | 0.18% | +9 bps | |
| Allowance / Loans | 1.51% | 1.50% | 1.50% | 1.48% | 1.44% | 1.42% | 1.65% | 1.62% | +14 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 | 13.76% | 13.88% | 13.78% | 12.14% | 12.42% | 12.59% | 12.63% | 12.09% | -5 bps | |
| Equity / Assets | 7.73% | 7.32% | 7.45% | 6.63% | 7.01% | 7.22% | 7.49% | 7.22% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.30% | 103.63% | 105.71% | 109.03% | 106.77% | 102.87% | 100.41% | 98.42% | -1,061 bps | |
| Liquid Assets / Assets | 2.07% | 2.06% | 2.13% | 2.08% | 2.38% | 2.89% | 3.42% | 2.31% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |