La Porte, IN · Charter 19165
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 1.82% | 0.01% | 0.31% | 0.11% | 0.24% | 0.23% | 0.14% | -18 bps | |
| Return on Equity | 0.78% | 19.41% | 0.06% | 3.42% | 1.20% | 2.37% | 2.27% | 1.40% | -202 bps | |
| Net Interest Margin | 1.32% | 2.85% | 1.05% | 2.01% | 2.12% | 1.96% | 1.70% | 1.03% | -98 bps | |
| Efficiency Ratio | 94.44% | 36.11% | 99.53% | 72.57% | 71.46% | 70.55% | 72.98% | 90.45% | +1,788 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.99% | -2.47% | 4.96% | 5.39% | 0.33% | -4.76% | -7.95% | -4.52% | -991 bps | |
| Loan Growth (YoY) | -0.29% | 17.37% | 10.07% | -23.31% | -5.11% | -25.72% | -15.60% | -0.13% | +2,318 bps | |
| Share Growth (YoY) | -3.69% | -3.12% | 4.09% | 5.47% | -0.28% | -6.00% | -8.27% | -5.24% | -1,071 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.21% | 7.28% | 11.14% | 12.92% | 4.28% | 6.25% | 3.75% | -739 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 | 7.85% | 7.53% | 8.18% | 11.04% | 14.36% | 13.44% | 12.85% | 12.85% | +181 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.44% | 9.39% | 8.97% | 9.13% | 9.52% | 10.04% | 9.97% | 9.76% | +62 bps | |
| Net Worth / Assets | 9.44% | 9.39% | 8.97% | 9.13% | 9.52% | 10.04% | 9.97% | 9.76% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.01% | 8.18% | 7.23% | 6.14% | 6.67% | 6.47% | 6.65% | 6.47% | +33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |