Indianapolis, IN · Charter 2461
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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 2461
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.04% | -0.10% | -0.15% | 0.02% | -0.28% | -0.53% | -0.86% | -71 bps | |
| Return on Equity | 0.62% | 0.51% | -1.22% | -1.87% | 0.20% | -3.21% | -5.74% | -9.73% | -786 bps | |
| Net Interest Margin | 2.30% | 2.35% | 2.31% | 2.33% | 2.26% | 2.25% | 2.26% | 2.19% | -13 bps | |
| Efficiency Ratio | 98.14% | 98.32% | 103.83% | 105.92% | 97.61% | 109.24% | 119.42% | 126.89% | +2,097 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.67% | -9.64% | -10.20% | -12.25% | -8.04% | -11.02% | -16.96% | -16.15% | -390 bps | |
| Loan Growth (YoY) | 1.90% | -3.72% | -8.24% | -3.41% | -5.55% | -2.11% | -6.01% | -11.57% | -816 bps | |
| Share Growth (YoY) | -4.23% | -10.45% | -10.79% | -13.04% | -8.47% | -15.85% | -17.99% | -16.80% | -375 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.26% | 0.02% | 0.59% | 0.87% | 0.62% | 0.01% | -1 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 | 0.24% | 0.25% | 0.24% | 0.03% | 0.06% | 0.09% | 0.09% | 0.00% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.49% | 7.97% | 8.00% | 8.13% | 7.99% | 8.63% | 9.15% | 8.84% | +71 bps | |
| Net Worth / Assets | 7.49% | 7.97% | 8.00% | 8.13% | 7.99% | 8.63% | 9.15% | 8.84% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.30% | 30.42% | 31.32% | 32.73% | 30.24% | 35.38% | 35.89% | 34.79% | +206 bps | |
| Liquid Assets / Assets | 19.25% | 19.98% | 23.23% | 26.18% | 35.89% | 0.00% | 0.00% | 0.00% | -2,618 bps | |