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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.79% | 0.51% | 0.70% | 1.07% | 1.24% | 0.55% | +3 bps | |
| Return on Equity | 6.53% | 6.33% | 6.53% | 4.37% | 6.23% | 9.38% | 10.57% | 4.65% | +28 bps | |
| Net Interest Margin | 3.74% | 3.74% | 3.73% | 3.74% | 3.75% | 3.72% | 3.77% | 3.83% | +9 bps | |
| Efficiency Ratio | 76.56% | 77.84% | 77.48% | 82.41% | 79.74% | 75.29% | 69.07% | 84.56% | +216 bps | |
| Non-Interest Burden | 2.67% | 2.70% | 2.66% | 2.98% | 2.83% | 2.58% | 2.19% | 3.13% | +14 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% | 0.21% | 0.53% | 0.39% | 0.45% | -0.01% | -0.06% | 0.19% | -20 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 |