Linton, IN · Cert 13126
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 0.66% | -0.51% | 0.97% | 1.68% | 0.69% | 0.81% | 1.18% | +21 bps | |
| Return on Equity | 13.28% | 6.77% | -4.64% | 7.68% | 12.79% | 5.00% | 5.63% | 8.04% | +35 bps | |
| Net Interest Margin | 3.72% | 3.50% | -2.72% | 4.01% | 3.74% | 3.76% | 3.84% | 3.84% | -16 bps | |
| Efficiency Ratio | 70.57% | 78.21% | 79.28% | 62.78% | 46.90% | 70.83% | 65.60% | 58.68% | -410 bps | |
| Non-Interest Burden | 2.40% | 2.58% | -2.00% | 2.43% | 1.63% | 2.70% | 2.48% | 1.99% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.74% | 1.39% | -1.84% | 0.29% | -4.69% | -10.24% | -10.89% | -16.70% | -1,700 bps | |
| Loan Growth (YoY) | 5.39% | 1.92% | -0.82% | -5.40% | -12.65% | -10.21% | -11.37% | -12.22% | -681 bps | |
| Deposit Growth (YoY) | -4.95% | 5.12% | -5.22% | 0.21% | -6.71% | -15.52% | -10.16% | -15.19% | -1,540 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 | 0.19% | 0.09% | 0.17% | 1.20% | 0.10% | 0.14% | 0.86% | 0.52% | -68 bps | |
| Allowance / Loans | 1.65% | 1.77% | 2.13% | 1.86% | 1.90% | 1.87% | 1.73% | 1.64% | -22 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 | 14.09% | 14.63% | 11.59% | 11.30% | 13.05% | 13.96% | 13.37% | 14.17% | +286 bps | |
| Equity / Assets | 9.78% | 9.76% | 12.49% | 12.72% | 13.48% | 14.32% | 14.30% | 15.15% | +243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.27% | 80.23% | 87.41% | 82.90% | 80.77% | 85.27% | 86.23% | 85.80% | +291 bps | |
| Liquid Assets / Assets | 0.61% | 0.60% | 0.25% | 0.08% | 0.09% | 0.09% | 0.00% | 0.00% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |