Markle, IN · Cert 16650
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.96% | 0.92% | 1.06% | 1.00% | 0.94% | 0.89% | 1.14% | +8 bps | |
| Return on Equity | 8.15% | 7.57% | 7.21% | 8.12% | 7.62% | 7.20% | 6.78% | 8.59% | +47 bps | |
| Net Interest Margin | 3.48% | 3.41% | 3.28% | 3.52% | 3.57% | 3.31% | 3.34% | 3.47% | -5 bps | |
| Efficiency Ratio | 56.46% | 60.38% | 62.39% | 57.85% | 58.59% | 61.97% | 63.15% | 60.73% | +288 bps | |
| Non-Interest Burden | 1.64% | 1.90% | 1.85% | 1.85% | 1.79% | 1.87% | 1.98% | 1.86% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.34% | 13.01% | 7.39% | 2.62% | 5.59% | 3.65% | 3.93% | 3.80% | +118 bps | |
| Loan Growth (YoY) | 4.14% | 3.66% | 4.92% | 4.68% | 1.54% | 4.05% | 5.06% | 4.37% | -31 bps | |
| Deposit Growth (YoY) | 10.69% | 18.56% | 10.33% | 0.55% | 4.56% | 2.72% | 0.90% | 0.12% | -43 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 | 0.89% | 0.07% | 0.14% | 0.68% | 0.10% | 0.52% | 0.02% | -0.02% | -71 bps | |
| Allowance / Loans | 1.07% | 1.19% | 1.23% | 1.10% | 1.25% | 1.20% | 1.24% | 1.30% | +19 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 | 12.36% | 12.77% | 12.66% | 12.34% | 12.75% | 12.94% | 12.80% | 12.72% | +38 bps | |
| Equity / Assets | 12.78% | 12.47% | 13.00% | 13.05% | 13.10% | 12.89% | 13.25% | 13.23% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.88% | 80.46% | 84.64% | 86.37% | 85.34% | 81.50% | 88.13% | 90.04% | +367 bps | |
| Liquid Assets / Assets | 2.99% | 8.92% | 3.55% | 2.08% | 3.88% | 6.57% | 2.31% | 1.57% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |