Butler, IN · Cert 14608
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 1.01% | 1.07% | 1.07% | 1.09% | 1.10% | 1.42% | 1.26% | +19 bps | |
| Return on Equity | 11.20% | 12.15% | 12.52% | 12.32% | 12.25% | 11.47% | 14.31% | 12.49% | +17 bps | |
| Net Interest Margin | 3.46% | 3.40% | 3.65% | 3.71% | 3.58% | 3.57% | 4.03% | 4.17% | +46 bps | |
| Efficiency Ratio | 78.68% | 75.69% | 75.61% | 76.05% | 75.67% | 75.22% | 70.97% | 73.91% | -214 bps | |
| Non-Interest Burden | 2.58% | 2.36% | 2.52% | 2.58% | 2.48% | 2.49% | 2.62% | 2.85% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.40% | -10.68% | -7.91% | -12.05% | -12.58% | 4.94% | -0.57% | -1.71% | +1,034 bps | |
| Loan Growth (YoY) | 4.28% | 1.40% | 3.74% | -5.13% | 1.03% | 3.41% | -2.13% | -3.02% | +211 bps | |
| Deposit Growth (YoY) | -8.36% | -12.22% | -8.05% | -10.37% | -4.91% | 4.35% | -2.40% | -3.44% | +694 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 | 0.05% | 0.06% | 0.10% | 0.10% | 0.09% | 0.05% | 0.04% | 0.05% | -5 bps | |
| Allowance / Loans | 0.94% | 0.95% | 0.91% | 0.90% | 0.90% | 0.89% | 0.93% | 0.93% | +3 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 | 15.93% | 17.07% | 16.76% | 16.82% | 17.44% | 17.20% | 18.80% | 19.21% | +239 bps | |
| Equity / Assets | 7.78% | 8.97% | 9.06% | 9.20% | 9.77% | 9.44% | 10.59% | 10.71% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.45% | 76.35% | 78.89% | 77.59% | 80.17% | 75.65% | 79.11% | 77.92% | +34 bps | |
| Liquid Assets / Assets | 0.13% | 0.11% | 0.11% | 0.00% | 0.00% | 0.08% | 0.09% | 0.10% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |