Auburn, IN · Charter 20904
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Auburn, IN · Charter 20904
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -2.82% | 0.65% | 0.63% | 0.27% | 0.11% | -0.45% | -0.96% | -159 bps | |
| Return on Equity | -2.77% | -25.19% | 6.78% | 6.11% | 2.72% | 0.99% | -4.29% | -9.31% | -1,542 bps | |
| Net Interest Margin | 3.97% | 4.13% | 4.46% | 4.29% | 4.12% | 4.28% | 3.73% | 3.47% | -83 bps | |
| Efficiency Ratio | 106.32% | 119.27% | 88.61% | 88.67% | 94.82% | 96.15% | 105.71% | 111.26% | +2,259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | -3.97% | 6.50% | -3.76% | -4.68% | -5.20% | -9.27% | -6.79% | -304 bps | |
| Loan Growth (YoY) | -20.44% | -20.38% | -21.68% | -17.14% | -18.14% | -19.77% | -22.28% | -24.43% | -729 bps | |
| Share Growth (YoY) | 11.82% | 1.58% | 14.33% | -2.02% | -7.77% | -4.78% | -9.93% | -6.71% | -470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.59% | 3.52% | 3.53% | 5.45% | 6.27% | 5.65% | 3.71% | 3.48% | -197 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 | 2.10% | 2.05% | 2.73% | 2.65% | 2.12% | 2.60% | 2.43% | 2.72% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.10% | 11.18% | 9.54% | 10.31% | 10.05% | 10.90% | 10.40% | 10.35% | +4 bps | |
| Net Worth / Assets | 12.10% | 11.18% | 9.54% | 10.31% | 10.05% | 10.90% | 10.40% | 10.35% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.68% | 57.04% | 47.92% | 50.12% | 48.53% | 48.06% | 41.35% | 40.60% | -952 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |