New Albany, IN · Cert 13096
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.17% | 0.37% | -0.18% | 2.06% | 0.70% | 0.57% | 1.62% | +180 bps | |
| Return on Equity | 5.46% | 1.80% | 3.93% | -1.90% | 21.41% | 7.11% | 5.79% | 15.88% | +1,779 bps | |
| Net Interest Margin | 1.93% | 2.18% | 1.96% | 1.88% | 1.81% | 1.77% | 2.18% | 2.31% | +43 bps | |
| Efficiency Ratio | 61.87% | 54.67% | 76.41% | 73.60% | 74.15% | 77.16% | 70.14% | 35.30% | -3,830 bps | |
| Non-Interest Burden | 0.79% | 0.71% | 1.27% | 1.11% | 1.03% | 1.12% | 1.21% | -0.17% | -128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.86% | 6.20% | 3.79% | 6.26% | 4.52% | 3.74% | 4.57% | 1.77% | -449 bps | |
| Loan Growth (YoY) | -21.38% | -6.72% | -13.87% | -14.21% | -13.81% | -23.84% | -23.67% | -24.02% | -981 bps | |
| Deposit Growth (YoY) | 10.32% | 3.58% | 4.04% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.60% | 0.56% | 0.39% | 1.68% | 0.60% | -0.11% | 0.04% | 0.29% | -139 bps | |
| Allowance / Loans | 3.92% | 4.03% | 4.13% | 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 | 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 | 28.95% | 28.55% | 29.36% | 28.81% | 31.42% | 32.16% | 33.79% | 34.06% | +524 bps | |
| Equity / Assets | 9.85% | 9.32% | 9.75% | 9.20% | 10.04% | 9.70% | 10.11% | 10.24% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 22.45% | 21.25% | 20.42% | 19.25% | 18.39% | 15.00% | 14.97% | 14.46% | -480 bps | |
| Liquid Assets / Assets | 66.17% | 64.14% | 69.47% | 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 | n/a | n/a | n/a |