Indianapolis, IN · Charter 23435
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | 0.06% | 0.13% | 0.21% | 0.28% | 0.34% | 0.24% | 0.19% | -1 bps | |
| Return on Equity | -7.47% | 0.66% | 1.51% | 2.41% | 3.34% | 4.22% | 2.86% | 2.24% | -17 bps | |
| Net Interest Margin | 2.23% | 2.28% | 2.35% | 2.39% | 2.46% | 2.36% | 2.44% | 2.43% | +4 bps | |
| Efficiency Ratio | 121.06% | 98.47% | 96.37% | 93.99% | 91.00% | 88.66% | 92.23% | 93.87% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.44% | -0.50% | -0.23% | -0.16% | 5.37% | 8.60% | 2.86% | 2.38% | +253 bps | |
| Loan Growth (YoY) | -19.42% | -14.42% | -9.34% | -7.98% | 7.59% | 0.24% | -4.41% | -7.44% | +55 bps | |
| Share Growth (YoY) | -0.83% | 1.48% | 1.57% | 0.05% | 5.44% | 9.03% | 2.61% | 2.42% | +237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 0.91% | 0.81% | 0.81% | 1.04% | 0.06% | 0.74% | 1.42% | +61 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 | 2.75% | 2.39% | 2.14% | 2.42% | 2.64% | 2.67% | 2.80% | 2.97% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.43% | 8.48% | 8.40% | 8.53% | 8.42% | 8.15% | 8.45% | 8.52% | -1 bps | |
| Net Worth / Assets | 8.43% | 8.48% | 8.40% | 8.53% | 8.42% | 8.15% | 8.45% | 8.52% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.37% | 33.72% | 33.12% | 32.38% | 32.01% | 31.00% | 30.85% | 29.26% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |