Plainfield, IN · Cert 28617
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.29% | 0.40% | 0.11% | 0.47% | -10.82% | -4.95% | 0.61% | +50 bps | |
| Return on Equity | 3.69% | 2.71% | 3.58% | 0.93% | 4.09% | -108.13% | -55.46% | 5.27% | +434 bps | |
| Net Interest Margin | 2.37% | 2.48% | 2.53% | 2.66% | 2.82% | 2.88% | 2.33% | 3.18% | +51 bps | |
| Efficiency Ratio | 82.55% | 85.24% | 80.46% | 79.94% | 79.15% | 78.85% | 279% | 61.13% | -1,881 bps | |
| Non-Interest Burden | 1.87% | 2.07% | 1.94% | 2.01% | 2.11% | 13.33% | 7.55% | 1.86% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | -0.18% | 0.63% | -2.96% | -3.29% | -6.63% | -1.26% | 5.18% | +814 bps | |
| Loan Growth (YoY) | -1.39% | 1.80% | 1.13% | -1.34% | 3.89% | -1.18% | -1.46% | -1.27% | +6 bps | |
| Deposit Growth (YoY) | 6.34% | 0.26% | -0.08% | -6.42% | -9.79% | -12.31% | -0.93% | 1.62% | +805 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 | 0.05% | 0.07% | 0.12% | 0.06% | 0.06% | 0.15% | 1.84% | 0.33% | +26 bps | |
| Allowance / Loans | 1.02% | 0.97% | 1.02% | 1.25% | 1.28% | 1.31% | 1.36% | 1.84% | +59 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 | 11.33% | 10.99% | 11.26% | 11.17% | 11.47% | 11.55% | 7.86% | 13.66% | +249 bps | |
| Equity / Assets | 10.68% | 10.93% | 11.12% | 11.47% | 11.26% | 8.69% | 9.16% | 13.83% | +236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.32% | 94.52% | 98.10% | 99.64% | 100.56% | 106.51% | 97.57% | 96.80% | -284 bps | |
| Liquid Assets / Assets | 2.83% | 0.57% | 1.04% | 1.06% | 1.56% | 0.74% | 2.81% | 2.80% | +174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |