Bloomfield, IN · Cert 15714
FDIC · 13 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Bloomfield, IN · Cert 15714
FDIC · 13 branches
Q4 2017
Market Position · Bloomington, IN · 2017 SOD (annual) · 1.2% share · #12 of 15 inst. · $0.0B of $2.7B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.77% | 0.78% | 0.72% | 0.70% | 0.88% | 1.00% | 0.89% | +17 bps | |
| Return on Equity | 6.53% | 6.43% | 6.49% | 6.02% | 6.23% | 7.83% | 8.78% | 7.78% | +175 bps | |
| Net Interest Margin | 3.74% | 3.71% | 3.67% | 3.76% | 3.75% | 3.71% | 3.68% | 3.79% | +2 bps | |
| Efficiency Ratio | 76.56% | 77.22% | 77.31% | 78.49% | 79.74% | 77.47% | 74.38% | 76.82% | -167 bps | |
| Non-Interest Burden | 2.67% | 2.66% | 2.63% | 2.77% | 2.83% | 2.68% | 2.49% | 2.69% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 4.05% | 0.51% | -1.60% | 1.95% | -1.48% | 3.00% | 0.69% | +229 bps | |
| Loan Growth (YoY) | 4.78% | 4.80% | 0.20% | 2.01% | 2.00% | 1.88% | 5.75% | -0.46% | -247 bps | |
| Deposit Growth (YoY) | 0.64% | 4.16% | 0.45% | -0.98% | 3.36% | 1.19% | 4.75% | 1.27% | +225 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.65% | 0.55% | 0.68% | 0.47% | +47 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.14% | 0.27% | 0.30% | 0.45% | 0.21% | 0.12% | 0.14% | -15 bps | |
| Allowance / Loans | 1.66% | 1.60% | 1.53% | 1.41% | 1.28% | 1.26% | 1.27% | 1.27% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.0x | 2.3x | 1.9x | 2.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.28% | 11.33% | 10.87% | 10.62% | 10.77% | 10.91% | 11.11% | 11.03% | +41 bps | |
| Total Risk-Based Capital | 16.54% | 16.55% | 16.54% | 15.53% | 15.52% | 15.75% | 16.16% | 16.25% | +72 bps | |
| Equity / Assets | 12.26% | 12.04% | 12.28% | 11.13% | 11.18% | 11.55% | 11.82% | 11.61% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.58% | 82.66% | 83.38% | 84.18% | 83.46% | 83.22% | 84.17% | 82.74% | -144 bps | |
| Liquid Assets / Assets | 0.84% | 2.24% | 1.77% | 0.76% | 2.31% | 1.59% | 1.55% | 2.12% | +135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |