Indianapolis, IN · Charter 23784
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Indianapolis, IN · Charter 23784
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | 0.11% | -3.78% | -3.29% | -3.02% | -3.36% | -5.15% | -5.28% | -199 bps | |
| Return on Equity | -19.61% | 1.88% | -70.96% | -57.40% | -55.96% | -76.60% | -131.98% | -195.24% | -13,784 bps | |
| Net Interest Margin | 4.55% | 5.10% | 6.08% | 6.53% | 5.67% | 4.75% | 5.56% | 5.46% | -108 bps | |
| Efficiency Ratio | 107.81% | 98.67% | 99.39% | 99.77% | 95.17% | 91.15% | 112.06% | 121.65% | +2,188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.03% | -17.11% | -26.08% | -31.04% | -35.41% | -31.10% | -33.14% | -28.14% | +290 bps | |
| Loan Growth (YoY) | -9.76% | -8.24% | -5.41% | -1.98% | -18.66% | -40.09% | -42.02% | -37.11% | -3,513 bps | |
| Share Growth (YoY) | -13.47% | -13.57% | -27.44% | -30.63% | -35.28% | -30.10% | -28.77% | -26.44% | +419 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 1.01% | 5.22% | 4.73% | 8.61% | 9.97% | 12.76% | 17.09% | +1,236 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 | 2.45% | 3.44% | 4.31% | 4.45% | 5.26% | 10.25% | 9.58% | 9.31% | +486 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.97% | 5.82% | 5.33% | 5.74% | 5.40% | 4.39% | 3.90% | 2.71% | -303 bps | |
| Net Worth / Assets | 5.97% | 5.82% | 5.33% | 5.74% | 5.40% | 4.39% | 3.90% | 2.71% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.84% | 70.64% | 90.06% | 83.68% | 85.26% | 60.54% | 73.31% | 71.55% | -1,214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |