Terre Haute, IN · Charter 13869
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.11% | 0.13% | -0.27% | 0.07% | 0.07% | 0.07% | -1.05% | -78 bps | |
| Return on Equity | 2.55% | 1.22% | 1.34% | -2.94% | 0.72% | 0.76% | 0.79% | -12.20% | -926 bps | |
| Net Interest Margin | 2.77% | 2.68% | 2.79% | 2.42% | 2.52% | 2.50% | 2.45% | 2.27% | -16 bps | |
| Efficiency Ratio | 95.44% | 98.09% | 97.56% | 107.64% | 99.90% | 99.41% | 99.18% | 133.32% | +2,568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.75% | 1.99% | -0.27% | -1.81% | -2.03% | -2.82% | 4.78% | 4.62% | +643 bps | |
| Loan Growth (YoY) | -4.45% | -7.08% | -6.52% | -9.70% | -7.36% | -4.71% | -5.65% | -2.03% | +768 bps | |
| Share Growth (YoY) | -3.21% | 2.09% | -0.45% | -1.92% | -2.27% | -3.22% | 5.27% | 5.14% | +707 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.46% | 1.59% | 0.82% | 1.08% | 1.55% | 1.58% | 1.35% | +52 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 | 0.25% | 0.27% | 0.36% | 0.40% | 0.33% | 0.33% | 0.34% | 0.32% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.28% | 9.09% | 9.59% | 9.13% | 9.52% | 9.45% | 9.22% | 8.60% | -53 bps | |
| Net Worth / Assets | 9.28% | 9.09% | 9.59% | 9.13% | 9.52% | 9.45% | 9.22% | 8.60% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.17% | 49.08% | 51.65% | 46.51% | 48.50% | 48.32% | 46.29% | 43.33% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |