Columbus, IN · Cert 28285
FDIC
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.
Columbus, IN · Cert 28285
FDIC
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.59% | 0.56% | 0.47% | -0.42% | -0.12% | -0.83% | -0.97% | -144 bps | |
| Return on Equity | 6.20% | 6.27% | 5.79% | 4.76% | -4.18% | -1.18% | -8.04% | -9.38% | -1,414 bps | |
| Net Interest Margin | 3.03% | 3.07% | 3.39% | 3.32% | 3.43% | 3.54% | 3.53% | 3.48% | +16 bps | |
| Efficiency Ratio | 65.66% | 65.02% | 68.42% | 66.24% | 70.61% | 68.68% | 62.63% | 63.69% | -255 bps | |
| Non-Interest Burden | 1.68% | 1.66% | 2.08% | 1.91% | 2.15% | 2.11% | 1.79% | 1.81% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.00% | 3.26% | 2.55% | -2.00% | -10.21% | -5.64% | -7.78% | -9.97% | -798 bps | |
| Loan Growth (YoY) | -0.76% | 1.51% | 0.27% | -2.42% | -5.82% | -5.50% | -7.29% | -14.64% | -1,222 bps | |
| Deposit Growth (YoY) | 8.63% | 1.55% | 1.70% | -2.85% | -6.47% | 0.91% | -2.46% | -3.58% | -73 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.64% | 0.75% | 0.85% | 1.31% | 3.40% | 2.68% | 2.65% | 3.50% | +218 bps | |
| Allowance / Loans | 1.94% | 1.93% | 1.95% | 1.91% | 2.07% | 2.10% | 2.62% | 3.19% | +128 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.68% | 12.93% | 13.17% | 13.46% | 13.06% | 13.41% | 13.41% | 13.78% | +33 bps | |
| Equity / Assets | 9.42% | 9.60% | 9.74% | 10.11% | 10.31% | 10.30% | 10.29% | 10.43% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.58% | 87.41% | 84.73% | 85.63% | 84.17% | 81.86% | 80.53% | 75.81% | -982 bps | |
| Liquid Assets / Assets | 0.18% | 0.01% | 0.09% | 0.02% | 0.01% | 0.03% | 0.09% | 0.04% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |