Indianapolis, IN · Charter 16123
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Indianapolis, IN · Charter 16123
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.35% | -0.97% | -0.43% | -0.18% | -0.11% | -6.84% | -3.56% | -313 bps | |
| Return on Equity | 4.00% | 3.48% | -10.79% | -4.73% | -2.00% | -1.16% | -94.32% | -47.07% | -4,234 bps | |
| Net Interest Margin | 4.56% | 4.77% | 3.75% | 4.02% | 4.12% | 4.47% | 4.44% | 4.72% | +69 bps | |
| Efficiency Ratio | 93.39% | 92.43% | 113.63% | 103.02% | 98.83% | 96.30% | 198.50% | 145.17% | +4,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | -5.24% | 0.50% | 2.72% | 2.42% | 2.20% | 2.10% | -1.59% | -431 bps | |
| Loan Growth (YoY) | -1.63% | -5.98% | -6.08% | -8.24% | -5.20% | -6.99% | -8.31% | -9.73% | -149 bps | |
| Share Growth (YoY) | 0.86% | -6.28% | 0.62% | 3.43% | 2.82% | 2.68% | 2.00% | 0.02% | -341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.90% | 1.10% | 1.11% | 1.17% | 0.20% | 0.24% | 0.37% | -74 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 | 0.54% | 0.52% | 0.53% | 0.54% | 0.57% | 0.57% | 0.65% | 0.68% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.39% | 10.05% | 9.01% | 9.09% | 9.07% | 9.73% | 7.25% | 7.57% | -152 bps | |
| Net Worth / Assets | 9.39% | 10.05% | 9.01% | 9.09% | 9.07% | 9.73% | 7.25% | 7.57% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.23% | 90.79% | 81.03% | 80.24% | 80.43% | 82.25% | 72.84% | 72.42% | -782 bps | |
| Liquid Assets / Assets | 12.39% | 9.20% | 18.39% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |