Berne, IN · Charter 16996
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Berne, IN · Charter 16996
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.19% | 0.22% | 0.40% | 0.42% | 0.40% | 0.35% | 0.18% | -22 bps | |
| Return on Equity | 0.97% | 0.97% | 1.07% | 1.90% | 1.87% | 1.74% | 1.43% | 0.71% | -119 bps | |
| Net Interest Margin | 2.39% | 2.48% | 2.59% | 2.68% | 2.89% | 2.99% | 3.03% | 2.86% | +18 bps | |
| Efficiency Ratio | 92.12% | 92.19% | 91.42% | 85.41% | 85.56% | 86.73% | 88.73% | 93.79% | +838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.43% | -0.70% | -4.60% | -5.37% | -12.52% | -12.14% | -12.31% | -14.53% | -917 bps | |
| Loan Growth (YoY) | -4.42% | 1.59% | 4.54% | -10.53% | -6.58% | -6.37% | -8.65% | -10.05% | +48 bps | |
| Share Growth (YoY) | -3.52% | -1.43% | -6.16% | -6.99% | -15.97% | -15.66% | -15.86% | -18.69% | -1,170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.71% | 1.05% | 0.66% | 0.59% | 0.49% | 0.46% | 0.61% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.83% | 0.86% | 0.93% | 0.92% | 0.89% | 0.94% | 1.03% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.43% | 20.04% | 20.86% | 21.07% | 22.56% | 23.19% | 24.14% | 24.93% | +387 bps | |
| Net Worth / Assets | 19.43% | 20.04% | 20.86% | 21.07% | 22.56% | 23.19% | 24.14% | 24.93% | +387 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.47% | 57.09% | 58.38% | 54.32% | 59.45% | 63.38% | 63.38% | 60.09% | +577 bps | |
| Liquid Assets / Assets | 55.20% | 52.63% | 46.75% | 42.22% | 37.97% | 35.05% | 35.20% | 45.44% | +322 bps | |