Noblesville, IN · Cert 13147
FDIC · 11 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Noblesville, IN · Cert 13147
FDIC · 11 branches
Q3 2014
Market Position · Indianapolis-Carmel-Anderson, IN · 2014 SOD (annual) · 0.6% share · #20 of 50 inst. · $0.2B of $38.8B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.85% | 0.83% | 0.87% | 1.00% | 1.21% | 1.57% | 1.30% | +43 bps | |
| Return on Equity | 7.95% | 6.78% | 6.52% | 6.81% | 7.77% | 9.21% | 11.73% | 9.45% | +264 bps | |
| Net Interest Margin | 3.11% | 2.67% | 2.71% | 2.83% | 2.87% | 2.85% | 3.36% | 3.34% | +50 bps | |
| Efficiency Ratio | 69.53% | 76.03% | 78.63% | 76.74% | 73.53% | 67.45% | 61.65% | 68.04% | -870 bps | |
| Non-Interest Burden | 2.01% | 1.93% | 2.02% | 2.04% | 1.92% | 1.70% | 1.76% | 2.02% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.24% | 7.54% | 3.19% | 0.70% | -4.14% | -2.60% | 1.35% | 0.17% | -53 bps | |
| Loan Growth (YoY) | -12.14% | -16.85% | -14.71% | -10.50% | -1.98% | 6.20% | 8.23% | 7.33% | +1,783 bps | |
| Deposit Growth (YoY) | 10.38% | 7.93% | 3.88% | 1.04% | -4.71% | -3.24% | -0.09% | -1.46% | -250 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 | 0.07% | 0.05% | 0.49% | 0.32% | 0.49% | -0.50% | -0.53% | -0.35% | -67 bps | |
| Allowance / Loans | 2.40% | 2.67% | 2.36% | 2.34% | 1.98% | 2.15% | 2.19% | 2.19% | -15 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 | 22.58% | 24.32% | 23.22% | 23.49% | 22.83% | 22.74% | 22.95% | 23.19% | -30 bps | |
| Equity / Assets | 12.63% | 12.58% | 12.74% | 13.30% | 13.08% | 13.12% | 14.01% | 14.70% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.97% | 55.97% | 61.12% | 63.31% | 63.75% | 61.43% | 66.22% | 68.95% | +564 bps | |
| Liquid Assets / Assets | 11.27% | 16.98% | 8.13% | 4.75% | 4.27% | 6.50% | 2.44% | 1.32% | -344 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |