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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.19% | 0.37% | 0.09% | 0.76% | 0.74% | 0.57% | 1.09% | +100 bps | |
| Return on Equity | 2.04% | 1.98% | 3.93% | 1.01% | 7.90% | 7.70% | 5.79% | 10.88% | +987 bps | |
| Net Interest Margin | 1.20% | 1.41% | 1.96% | 1.92% | 1.87% | 1.82% | 2.18% | 2.23% | +31 bps | |
| Efficiency Ratio | 80.91% | 72.30% | 76.41% | 75.00% | 74.71% | 75.32% | 70.14% | 51.07% | -2,393 bps | |
| Non-Interest Burden | 0.76% | 0.72% | 1.27% | 1.19% | 1.13% | 1.11% | 1.21% | 0.51% | -68 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 | 0.69% | 0.68% | 0.39% | 1.04% | 0.94% | 0.80% | 0.04% | 0.16% | -87 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 |