Clarksville, IN · Charter 13641
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.30% | -1.51% | -1.23% | -1.24% | -3.57% | -5.04% | -7.77% | -654 bps | |
| Return on Equity | 6.25% | 3.36% | -18.76% | -15.70% | -16.15% | -45.68% | -83.16% | -240% | -22,389 bps | |
| Net Interest Margin | 2.79% | 6.59% | 1.87% | 3.11% | 3.22% | -0.76% | 3.90% | 4.08% | +97 bps | |
| Efficiency Ratio | 87.91% | 81.03% | 126.75% | 117.22% | 117.31% | 154.49% | 77.04% | 95.81% | -2,142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.40% | 11.85% | 12.91% | 11.17% | 3.78% | 7.12% | -11.73% | -17.03% | -2,820 bps | |
| Loan Growth (YoY) | 25.47% | 10.96% | 6.41% | 10.71% | -5.53% | 6.96% | 7.64% | 3.40% | -731 bps | |
| Share Growth (YoY) | 22.82% | 12.03% | 13.51% | 12.69% | 5.16% | 8.89% | -9.34% | -12.46% | -2,515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 2.64% | 2.81% | 3.32% | 3.58% | 3.45% | 3.00% | 2.93% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 1.00% | 0.93% | 0.79% | 0.18% | 0.12% | 2.12% | 2.34% | +155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 9.04% | 8.05% | 7.82% | 7.70% | 7.83% | 6.06% | 3.24% | -458 bps | |
| Net Worth / Assets | 8.78% | 9.04% | 8.05% | 7.82% | 7.70% | 7.83% | 6.06% | 3.24% | -458 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.82% | 66.49% | 60.73% | 62.26% | 64.53% | 65.31% | 72.11% | 73.55% | +1,129 bps | |
| Liquid Assets / Assets | 27.91% | 36.97% | 41.57% | 38.08% | 31.88% | 32.96% | 27.87% | 22.12% | -1,596 bps | |