Lanesville, IN · Cert 12830
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.01% | 0.97% | 1.03% | 1.01% | 1.02% | 0.99% | 0.68% | -35 bps | |
| Return on Equity | 7.25% | 7.48% | 7.05% | 6.80% | 6.66% | 6.67% | 6.42% | 4.26% | -254 bps | |
| Net Interest Margin | 4.35% | 4.43% | 4.60% | 4.55% | 4.48% | 4.52% | 4.54% | 4.14% | -41 bps | |
| Efficiency Ratio | 67.27% | 65.94% | 68.18% | 67.71% | 67.15% | 66.68% | 67.85% | 76.73% | +901 bps | |
| Non-Interest Burden | 2.75% | 2.74% | 2.96% | 2.91% | 2.83% | 2.83% | 2.91% | 3.04% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -7.02% | -8.96% | -7.93% | -6.55% | -3.28% | -1.02% | 1.38% | +932 bps | |
| Loan Growth (YoY) | 3.13% | 3.72% | -0.85% | -3.74% | -3.71% | -3.63% | -1.66% | -0.35% | +339 bps | |
| Deposit Growth (YoY) | -4.92% | -6.49% | -9.70% | -9.53% | -6.68% | -3.60% | 0.03% | 0.75% | +1,028 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 | 0.00% | 0.06% | 0.05% | 0.22% | 0.10% | 0.06% | 0.06% | 0.11% | -11 bps | |
| Allowance / Loans | 0.88% | 0.83% | 0.85% | 0.82% | 0.81% | 0.81% | 0.81% | 0.79% | -3 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 | 18.43% | 19.50% | 20.35% | 19.49% | 19.76% | 20.26% | 20.69% | 19.92% | +43 bps | |
| Equity / Assets | 13.56% | 14.40% | 14.98% | 15.19% | 15.41% | 15.76% | 16.01% | 15.75% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.26% | 95.24% | 98.49% | 92.99% | 94.17% | 95.22% | 96.83% | 91.97% | -102 bps | |
| Liquid Assets / Assets | 16.32% | 14.33% | 12.86% | 12.75% | 14.77% | 14.17% | 13.52% | 11.90% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |