Marion, IN · Charter 14555
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Marion, IN · Charter 14555
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.05% | 0.88% | 0.88% | 0.00% | -4.35% | -1.42% | -1.31% | -219 bps | |
| Return on Equity | 11.68% | 10.09% | 8.47% | 8.01% | 0.04% | -48.73% | -14.97% | -14.29% | -2,230 bps | |
| Net Interest Margin | 4.10% | 4.40% | 4.08% | 4.24% | 3.84% | 4.66% | 4.39% | 4.15% | -10 bps | |
| Efficiency Ratio | 73.46% | 76.84% | 79.52% | 80.44% | 85.18% | 71.76% | 68.29% | 77.42% | -302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.98% | 1.36% | -2.83% | -1.82% | 1.73% | 0.93% | -2.12% | 1.77% | +358 bps | |
| Loan Growth (YoY) | -2.06% | -4.10% | 5.12% | 5.67% | 2.10% | 2.69% | 5.99% | 0.86% | -481 bps | |
| Share Growth (YoY) | 17.51% | 0.68% | -4.07% | -2.84% | 1.84% | 2.37% | -0.94% | 4.03% | +687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.05% | 2.16% | 4.67% | 2.03% | 0.00% | 0.20% | 0.00% | -467 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 | 0.47% | 0.48% | 0.50% | 0.52% | 0.71% | 0.55% | 0.53% | 0.93% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.03% | 10.38% | 10.39% | 10.98% | 9.86% | 8.92% | 9.46% | 9.17% | -182 bps | |
| Net Worth / Assets | 10.03% | 10.38% | 10.39% | 10.98% | 9.86% | 8.92% | 9.46% | 9.17% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.04% | 84.42% | 84.11% | 90.58% | 84.26% | 84.68% | 90.00% | 87.82% | -276 bps | |
| Liquid Assets / Assets | 23.50% | 23.42% | 23.60% | 18.26% | 23.25% | 20.94% | 0.00% | 0.00% | -1,826 bps | |