Griffith, IN · Charter 12872
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.20% | -0.58% | -1.35% | 1.05% | -0.50% | -0.56% | -0.81% | +54 bps | |
| Return on Equity | 4.31% | 2.72% | -7.91% | -20.39% | 14.91% | -7.75% | -8.65% | -12.80% | +759 bps | |
| Net Interest Margin | 4.45% | 4.41% | 4.65% | 4.68% | 4.37% | 4.38% | 4.61% | 4.64% | -4 bps | |
| Efficiency Ratio | 94.19% | 95.27% | 98.31% | 101.15% | 113.60% | 112.90% | 108.88% | 113.35% | +1,219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.34% | -12.64% | -15.27% | -8.37% | -9.76% | -9.03% | -5.58% | -7.54% | +83 bps | |
| Loan Growth (YoY) | 4.54% | -17.81% | -14.71% | -10.02% | -5.07% | -4.32% | -1.72% | -4.70% | +532 bps | |
| Share Growth (YoY) | -8.40% | -12.76% | -12.95% | -12.12% | -9.33% | -4.49% | -6.69% | -4.71% | +741 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.12% | 0.71% | 0.41% | 0.83% | 0.68% | 0.41% | 0.70% | +29 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 | 0.55% | 0.31% | 0.42% | 1.62% | 0.87% | 1.03% | 1.00% | 0.63% | -99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.45% | 7.41% | 7.37% | 6.62% | 7.05% | 6.43% | 6.44% | 6.35% | -27 bps | |
| Net Worth / Assets | 7.45% | 7.41% | 7.37% | 6.62% | 7.05% | 6.43% | 6.44% | 6.35% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.16% | 56.37% | 55.46% | 60.21% | 57.75% | 56.46% | 58.41% | 60.22% | +1 bps | |
| Liquid Assets / Assets | 20.17% | 19.81% | 16.36% | 25.16% | 20.56% | 0.00% | 0.00% | 0.00% | -2,516 bps | |