Evansville, IN · Charter 20486
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.96% | -0.93% | -0.65% | -0.44% | -0.21% | -0.05% | -3.17% | -0.15% | +29 bps | |
| Return on Equity | -12.98% | -10.29% | -9.14% | -6.58% | -3.18% | -0.64% | -55.80% | -2.33% | +425 bps | |
| Net Interest Margin | 4.19% | 5.09% | 3.56% | 3.46% | 3.59% | 4.01% | 3.42% | 3.57% | +11 bps | |
| Efficiency Ratio | 99.64% | 99.42% | 115.78% | 114.54% | 106.53% | 101.79% | 99.46% | 76.40% | -3,814 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.75% | -20.65% | -4.46% | 6.66% | 8.40% | 21.09% | 11.55% | 4.40% | -226 bps | |
| Loan Growth (YoY) | -5.89% | -6.44% | -9.89% | -5.91% | -0.50% | 2.26% | 6.74% | 8.00% | +1,391 bps | |
| Share Growth (YoY) | -18.45% | -21.75% | -4.43% | 7.61% | 7.88% | 23.29% | 13.06% | 4.48% | -313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 1.04% | 1.07% | 1.81% | 1.06% | 1.54% | 0.99% | 1.74% | -6 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 | 0.35% | 0.47% | 0.37% | 0.34% | 0.34% | 0.37% | 0.42% | 0.46% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.37% | 9.03% | 7.11% | 6.66% | 6.61% | 7.41% | 5.69% | 6.47% | -19 bps | |
| Net Worth / Assets | 7.37% | 9.03% | 7.11% | 6.66% | 6.61% | 7.41% | 5.69% | 6.47% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.26% | 92.66% | 68.95% | 64.90% | 69.41% | 76.85% | 65.10% | 67.09% | +219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |