Hammond, IN · Cert 28961
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 0.57% | -2.09% | 0.25% | -0.05% | -0.07% | -0.27% | -8.99% | -924 bps | |
| Return on Equity | n/a | n/a | n/a | 9.64% | -1.82% | -2.84% | -10.85% | -726% | -73,522 bps | |
| Net Interest Margin | 3.49% | 3.45% | 3.61% | 3.53% | 3.48% | 3.43% | 3.48% | 3.43% | -10 bps | |
| Efficiency Ratio | 84.68% | 87.97% | 101.39% | 92.59% | 101.64% | 98.84% | 106.70% | 332% | +23,919 bps | |
| Non-Interest Burden | 2.94% | 3.02% | 3.66% | 3.25% | 3.53% | 3.38% | 3.71% | 12.38% | +913 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.84% | -7.13% | -15.01% | -12.38% | -10.98% | -11.09% | -6.75% | -5.48% | +690 bps | |
| Loan Growth (YoY) | -15.31% | -9.34% | -9.32% | -12.10% | -11.73% | -11.76% | -10.80% | -8.29% | +381 bps | |
| Deposit Growth (YoY) | -7.17% | -5.64% | -8.89% | -10.85% | -6.79% | -8.62% | -8.69% | -5.00% | +585 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 | 0.39% | 0.61% | 1.28% | 0.07% | 0.75% | 1.64% | 1.50% | -7.25% | -732 bps | |
| Allowance / Loans | 3.11% | 3.52% | 2.87% | 2.95% | 2.67% | 2.00% | 1.83% | 3.66% | +71 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 | 8.19% | 7.35% | 6.35% | 6.68% | 6.36% | 6.35% | 6.01% | 0.59% | -609 bps | |
| Equity / Assets | 5.16% | 5.01% | 2.56% | 2.71% | 2.53% | 2.50% | 2.33% | 0.13% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.75% | 87.43% | 86.01% | 86.29% | 84.04% | 84.42% | 84.02% | 83.30% | -299 bps | |
| Liquid Assets / Assets | 5.22% | 3.71% | 3.87% | 3.51% | 4.40% | 3.19% | 5.10% | 6.55% | +305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |