Lafayette, IN · Cert 16512
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.97% | 0.88% | 0.50% | 0.31% | 0.33% | 0.66% | 0.39% | -11 bps | |
| Return on Equity | 8.07% | 6.95% | 6.43% | 3.64% | 2.21% | 2.27% | 4.71% | 3.11% | -54 bps | |
| Net Interest Margin | 2.91% | 2.98% | 2.74% | 2.87% | 2.98% | 2.97% | 2.88% | 2.42% | -44 bps | |
| Efficiency Ratio | 51.15% | 55.30% | 54.24% | 52.10% | 52.53% | 65.35% | 59.68% | 68.42% | +1,632 bps | |
| Non-Interest Burden | 1.13% | 1.43% | 1.32% | 1.31% | 1.33% | 1.91% | 1.58% | 1.54% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 0.61% | 4.80% | 3.00% | -1.73% | -8.75% | -1.72% | 13.57% | +1,057 bps | |
| Loan Growth (YoY) | -3.14% | -3.77% | 0.02% | 2.21% | 1.79% | -1.40% | -4.82% | -1.83% | -404 bps | |
| Deposit Growth (YoY) | -2.63% | -0.11% | 2.93% | 5.71% | 0.05% | -7.18% | -5.03% | 17.15% | +1,144 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 | 0.43% | 0.47% | 0.06% | 1.35% | 0.49% | 0.08% | 1.49% | 1.05% | -30 bps | |
| Allowance / Loans | 1.02% | 1.01% | 1.07% | 1.05% | 1.25% | 1.54% | 1.51% | 1.60% | +54 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 | 11.39% | 11.46% | 11.25% | 11.03% | 11.47% | 12.23% | 11.65% | 11.29% | +26 bps | |
| Equity / Assets | 13.98% | 13.83% | 13.64% | 13.54% | 14.29% | 14.55% | 13.30% | 11.65% | -189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.79% | 79.54% | 77.76% | 81.65% | 88.30% | 84.49% | 77.92% | 68.42% | -1,323 bps | |
| Liquid Assets / Assets | 1.51% | 1.98% | 1.53% | 1.20% | 0.84% | 0.86% | 9.89% | 3.10% | +189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |