Highland, IN · Cert 20086
FDIC
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.26% | 1.19% | 1.24% | 1.22% | 1.21% | 1.22% | 1.21% | -2 bps | |
| Return on Equity | 16.06% | 15.11% | 15.73% | 16.54% | 16.32% | 16.29% | 16.56% | 16.58% | +4 bps | |
| Net Interest Margin | 3.45% | 3.42% | 3.53% | 3.57% | 3.57% | 3.53% | 3.46% | 3.43% | -13 bps | |
| Efficiency Ratio | 57.47% | 59.05% | 58.52% | 57.91% | 58.92% | 59.52% | 61.08% | 61.88% | +396 bps | |
| Non-Interest Burden | 1.49% | 1.54% | 1.57% | 1.58% | 1.64% | 1.65% | 1.55% | 1.59% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 51.69% | 6.17% | 3.01% | 0.97% | -1.42% | 0.77% | 3.19% | 4.14% | +317 bps | |
| Loan Growth (YoY) | 62.26% | 7.45% | 7.75% | 7.08% | 7.21% | 7.28% | 6.79% | 7.34% | +27 bps | |
| Deposit Growth (YoY) | 54.87% | 6.72% | 3.97% | 2.00% | -2.03% | 2.05% | 2.91% | 1.77% | -23 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 | 0.07% | 0.16% | 0.45% | 0.40% | 0.29% | 0.24% | 0.08% | 0.09% | -31 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.45% | 1.38% | 1.36% | 1.34% | 1.34% | 1.29% | -9 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 | 12.47% | 12.85% | 12.95% | 12.95% | 12.83% | 12.73% | 12.37% | 12.04% | -91 bps | |
| Equity / Assets | 7.08% | 7.44% | 7.68% | 7.28% | 7.47% | 7.42% | 7.29% | 7.22% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.91% | 81.74% | 82.19% | 82.74% | 86.35% | 85.94% | 85.29% | 87.27% | +453 bps | |
| Liquid Assets / Assets | 1.23% | 1.24% | 0.97% | 1.06% | 1.60% | 1.37% | 1.47% | 1.91% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |