Muncie, IN · Cert 27744
FDIC · 39 branches
Q4 2019
Market Position · Muncie, IN · 2019 SOD (annual) · 23.4% share · #2 of 6 inst. · $0.7B of $2.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.85% | 1.06% | 1.05% | 1.01% | 1.10% | 1.19% | 1.45% | +40 bps | |
| Return on Equity | 9.95% | 8.32% | 10.42% | 10.22% | 9.60% | 10.19% | 10.80% | 12.73% | +251 bps | |
| Net Interest Margin | 2.76% | 3.41% | 3.34% | 3.33% | 3.21% | 3.18% | 3.23% | 3.19% | -14 bps | |
| Efficiency Ratio | 69.93% | 73.50% | 67.99% | 68.13% | 69.32% | 67.85% | 64.74% | 67.71% | -42 bps | |
| Non-Interest Burden | 1.67% | 2.30% | 2.01% | 1.96% | 1.96% | 1.84% | 1.70% | 1.65% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.60% | 27.57% | 27.71% | 28.90% | 3.38% | 3.92% | 2.57% | 0.73% | -2,817 bps | |
| Loan Growth (YoY) | 23.92% | 23.07% | 23.99% | 26.59% | 4.11% | 4.71% | 2.35% | 0.25% | -2,634 bps | |
| Deposit Growth (YoY) | 31.66% | 29.68% | 27.72% | 25.41% | 1.34% | 3.81% | 2.69% | 2.22% | -2,318 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.36% | 0.39% | 0.61% | 0.43% | 0.39% | 0.39% | 0.48% | -13 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.08% | 0.09% | 0.10% | 0.11% | 0.12% | 0.18% | +9 bps | |
| Allowance / Loans | 0.86% | 0.87% | 0.88% | 0.89% | 0.88% | 0.87% | 0.88% | 0.89% | 0 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.4x | 2.3x | 1.5x | 2.1x | 2.3x | 2.3x | 1.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.68% | 8.97% | 9.06% | 9.20% | 9.38% | 9.36% | 9.59% | 9.94% | +73 bps | |
| Total Risk-Based Capital | 12.46% | 12.66% | 12.86% | 13.02% | 13.16% | 13.07% | 13.39% | 13.87% | +86 bps | |
| Equity / Assets | 10.12% | 10.20% | 10.12% | 10.39% | 10.72% | 10.81% | 11.22% | 11.50% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.12% | 96.41% | 96.52% | 98.46% | 96.70% | 97.25% | 96.21% | 96.56% | -190 bps | |
| Liquid Assets / Assets | 1.16% | 0.41% | 0.47% | 0.38% | 0.48% | 0.45% | 0.33% | 0.35% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |