Russiaville, IN · Cert 16545
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04%1 | 0.39% | 0.24% | -1.56% | -0.80% | 0.77%1 | 0.57%1 | -0.72% | +84 bps | |
| Return on Equity | 0.52% | 4.64% | 3.00% | -19.45% | -10.14% | 9.77% | 6.88% | -8.36% | +1,109 bps | |
| Net Interest Margin | 3.32% | 3.66% | 3.74% | 3.65% | 3.67% | 3.68% | 3.78% | 3.59% | -6 bps | |
| Efficiency Ratio | 99.63% | 91.42% | 87.97% | 89.49% | 92.59% | 85.31% | 93.68% | 119.83% | +3,034 bps | |
| Non-Interest Burden | 3.30% | 3.29% | 3.21% | 3.20% | 3.35% | 3.04% | 3.50% | 4.43% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.67% | 11.79% | 4.71% | 4.84% | 3.83% | 2.66% | -4.48% | -4.82% | -966 bps | |
| Loan Growth (YoY) | 2.21% | -1.32% | -3.37% | 0.41% | 2.57% | -0.43% | -2.66% | -4.27% | -467 bps | |
| Deposit Growth (YoY) | 5.75% | 9.22% | 1.60% | 2.28% | 1.58% | 3.08% | -5.69% | -5.83% | -812 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 | 0.19% | 1.94% | -0.06% | 3.84% | 0.13% | 0.34% | 0.77% | 0.21% | -363 bps | |
| Allowance / Loans | 1.47% | 1.07% | 1.20% | 1.25% | 1.98% | 2.09% | 2.13% | 2.14% | +89 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 | 16.93% | 17.89% | 16.79% | 16.18% | 15.72% | 15.92% | 16.45% | 15.47% | -71 bps | |
| Equity / Assets | 8.31% | 8.34% | 7.99% | 8.03% | 7.75% | 8.00% | 8.65% | 8.51% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.16% | 54.68% | 55.36% | 57.26% | 54.69% | 52.82% | 57.14% | 58.21% | +95 bps | |
| Liquid Assets / Assets | 15.18% | 7.16% | 6.46% | 3.58% | 9.40% | 0.18% | 2.24% | 0.28% | -330 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |