Whiting, IN · Cert 13099
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.45% | -0.28% | 0.09%1 | -2.09% | -1.47% | -1.90% | -0.63% | -72 bps | |
| Return on Equity | 2.34% | 5.97% | -3.54% | 1.12% | -25.75% | -17.71% | -23.10% | -7.76% | -887 bps | |
| Net Interest Margin | 2.85% | 3.01% | 3.07% | 3.02% | 3.02% | 2.94% | 2.81% | 2.87% | -15 bps | |
| Efficiency Ratio | 94.26% | 85.92% | 85.54% | 95.16% | 98.71% | 100.73% | 120.82% | 112.81% | +1,765 bps | |
| Non-Interest Burden | 2.63% | 2.44% | 2.49% | 2.83% | 2.96% | 2.97% | 3.61% | 3.39% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.93% | 12.07% | 13.17% | 2.50% | -8.78% | -11.87% | -13.93% | -15.78% | -1,828 bps | |
| Loan Growth (YoY) | 5.14% | 11.06% | 11.76% | 0.34% | -8.84% | -12.18% | -18.59% | -18.65% | -1,899 bps | |
| Deposit Growth (YoY) | 8.89% | 13.58% | 18.56% | 2.26% | -12.43% | -14.94% | -15.27% | -17.34% | -1,960 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 | 0.11% | 0.53% | 0.10% | 0.01% | 1.80% | 2.24% | 0.41% | 4.03% | +402 bps | |
| Allowance / Loans | 0.69% | 0.61% | 0.91% | 0.98% | 1.61% | 1.79% | 2.32% | 1.49% | +52 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 | 13.32% | 13.42% | 13.50% | 13.79% | 13.99% | 13.72% | 13.65% | 13.79% | +1 bps | |
| Equity / Assets | 7.33% | 7.72% | 7.91% | 8.01% | 8.27% | 8.36% | 8.10% | 8.12% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.62% | 73.27% | 75.04% | 69.71% | 75.59% | 75.65% | 72.10% | 68.60% | -111 bps | |
| Liquid Assets / Assets | 0.16% | 0.17% | 0.18% | 0.14% | 0.10% | 0.23% | 0.24% | 0.34% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |