Kokomo, IN · Cert 16298
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -1.91% | 0.78% | 1.81% | 1.47% | 1.55% | -5.17% | 0.86% | -95 bps | |
| Return on Equity | 1.38% | -17.64% | 7.20% | 16.99% | 13.86% | 14.68% | -52.53% | 5.69% | -1,130 bps | |
| Net Interest Margin | 2.90% | 2.76% | 3.29% | 3.31% | 3.43% | 3.32% | 3.05% | 3.02% | -29 bps | |
| Efficiency Ratio | 86.94% | 158.86% | 82.40% | 59.32% | 68.43% | 65.57% | 219% | 57.83% | -149 bps | |
| Non-Interest Burden | 2.40% | 5.14% | 2.52% | 1.49% | 1.99% | 1.76% | 8.23% | 1.63% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.81% | -10.16% | -9.14% | -5.76% | -4.68% | 3.01% | 5.41% | 13.19% | +1,895 bps | |
| Loan Growth (YoY) | 1.07% | -1.46% | 1.93% | 5.35% | 4.66% | 8.53% | 8.18% | 7.47% | +212 bps | |
| Deposit Growth (YoY) | -5.55% | -4.05% | 4.29% | 10.91% | 10.21% | 9.02% | 6.63% | 5.89% | -502 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 | -0.26% | 1.37% | -0.06% | -0.06% | -1.17% | 0.06% | 1.26% | 0.04% | +10 bps | |
| Allowance / Loans | 2.11% | 1.11% | 1.11% | 1.09% | 1.36% | 1.32% | 1.00% | 0.98% | -11 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 | 14.31% | 13.26% | 12.89% | 12.79% | 12.91% | 12.97% | 10.81% | 14.64% | +185 bps | |
| Equity / Assets | 10.54% | 11.10% | 10.48% | 10.85% | 10.43% | 10.69% | 9.02% | 20.92% | +1,007 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.93% | 94.54% | 91.12% | 89.44% | 92.05% | 94.12% | 92.45% | 90.78% | +134 bps | |
| Liquid Assets / Assets | 0.10% | 1.31% | 0.10% | 0.06% | 0.06% | 0.06% | 0.06% | 0.06% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |