New Albany, IN · Cert 13096
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
New Albany, IN · Cert 13096
FDIC
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.76% | 0.74% | 0.57% | 1.09% | +100 bps | |
| Return on Equity | 1.01% | 7.90% | 7.70% | 5.79% | 10.88% | +987 bps | |
| Net Interest Margin | 1.92% | 1.87% | 1.82% | 2.18% | 2.23% | +31 bps | |
| Efficiency Ratio | 75.00% | 74.71% | 75.32% | 70.14% | 51.07% | -2,393 bps | |
| Non-Interest Burden | 1.19% | 1.13% | 1.11% | 1.21% | 0.51% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | 4.52% | 3.74% | 4.57% | 1.77% | -449 bps | |
| Loan Growth (YoY) | -14.21% | -13.81% | -23.84% | -23.67% | -24.02% | -981 bps | |
| Deposit Growth (YoY) | 7.81% | 5.21% | 7.91% | 4.10% | 1.19% | -663 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.04% | 0.94% | 0.80% | 0.04% | 0.16% | -87 bps | |
| Allowance / Loans | 4.17% | 1.67% | 1.18% | 1.26% | 1.17% | -300 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 28.81% | 31.42% | 32.16% | 33.79% | 34.06% | +524 bps | |
| Equity / Assets | 9.20% | 10.04% | 9.70% | 10.11% | 10.24% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.25% | 18.39% | 15.00% | 14.97% | 14.46% | -480 bps | |
| Liquid Assets / Assets | 67.93% | 69.92% | 73.26% | 73.87% | 73.04% | +512 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |