Brookston, IN · Cert 16387
FDIC · 3 branches
Q2 2017
Market Position · Lafayette-West Lafayette, IN · 2017 SOD (annual) · 0.5% share · #16 of 20 inst. · $0.0B of $3.1B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.05% | 0.29% | 0.24% | 0.11% | 0.10% | -0.17% | 0.04% | -20 bps | |
| Return on Equity | -2.40% | -0.55% | 3.42% | 2.81% | 1.28% | 1.24% | -1.98% | 0.43% | -238 bps | |
| Net Interest Margin | 3.84% | 3.81% | 3.43% | 3.43% | 3.48% | 3.51% | 3.69% | 3.78% | +34 bps | |
| Efficiency Ratio | 95.86% | 94.48% | 87.71% | 90.02% | 91.88% | 93.27% | 98.54% | 95.53% | +551 bps | |
| Non-Interest Burden | 3.64% | 3.56% | 2.94% | 3.02% | 3.14% | 3.22% | 3.62% | 3.58% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | 1.52% | 5.49% | 5.19% | 6.91% | 1.86% | -2.51% | -5.61% | -1,081 bps | |
| Loan Growth (YoY) | 16.87% | 11.72% | 2.79% | 0.09% | -2.28% | 1.14% | 6.04% | 1.10% | +101 bps | |
| Deposit Growth (YoY) | -3.58% | 0.12% | 4.79% | 7.86% | 9.84% | 7.40% | 2.02% | -4.61% | -1,246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.56% | 0.57% | +57 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.66% | -0.02% | -0.02% | 0.64% | 0.45% | 0.86% | 0.44% | +46 bps | |
| Allowance / Loans | 1.69% | 1.03% | 1.12% | 1.10% | 0.76% | 0.79% | 0.67% | 0.71% | -40 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.2x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.30% | 8.45% | 7.97% | 7.83% | 7.89% | 7.94% | 8.06% | 8.68% | +85 bps | |
| Total Risk-Based Capital | 13.65% | 13.91% | 14.38% | 13.75% | 13.23% | 13.30% | 13.13% | 13.79% | +3 bps | |
| Equity / Assets | 8.79% | 8.56% | 8.34% | 8.43% | 8.50% | 8.44% | 8.43% | 8.84% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.96% | 94.42% | 85.37% | 88.19% | 88.93% | 88.92% | 88.74% | 93.46% | +527 bps | |
| Liquid Assets / Assets | 1.15% | 4.64% | 11.98% | 7.62% | 3.66% | 0.77% | 1.65% | 0.93% | -669 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |