New Castle, IN · Cert 29031
FDIC · 15 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
New Castle, IN · Cert 29031
FDIC · 15 branches
Q3 2015
Market Position · Indianapolis-Carmel-Anderson, IN · 2015 SOD (annual) · 0.5% share · #23 of 50 inst. · $0.2B of $43.1B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.78% | 0.72% | 0.65% | 0.64% | 0.56% | 0.57% | 0.55% | -10 bps | |
| Return on Equity | 6.35% | 8.07% | 7.44% | 6.78% | 6.61% | 5.74% | 5.82% | 5.59% | -119 bps | |
| Net Interest Margin | 3.17% | 3.26% | 3.19% | 3.09% | 3.23% | 3.01% | 3.04% | 3.09% | -1 bps | |
| Efficiency Ratio | 77.45% | 72.13% | 73.76% | 76.48% | 78.21% | 79.88% | 80.86% | 81.50% | +502 bps | |
| Non-Interest Burden | 2.18% | 2.03% | 2.06% | 2.10% | 2.28% | 2.15% | 2.22% | 2.28% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.81% | 4.59% | 6.58% | 7.79% | 3.08% | 2.94% | 1.53% | -1.73% | -952 bps | |
| Loan Growth (YoY) | -0.70% | -2.53% | -0.40% | 0.67% | 1.37% | 2.66% | 4.65% | 1.90% | +123 bps | |
| Deposit Growth (YoY) | 1.81% | 3.92% | 6.32% | 7.68% | 4.60% | 4.80% | 3.57% | 1.44% | -623 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 | 0.32% | 0.05% | 0.18% | 0.12% | 0.13% | 0.03% | 0.06% | 0.18% | +6 bps | |
| Allowance / Loans | 1.26% | 1.30% | 1.26% | 1.23% | 1.22% | 1.23% | 1.18% | 1.09% | -14 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 | 9.41% | 9.41% | 9.50% | n/a | |
| Total Risk-Based Capital | 15.16% | 15.38% | 15.72% | 15.50% | 15.64% | 14.90% | 14.62% | 14.55% | -95 bps | |
| Equity / Assets | 9.65% | 9.58% | 9.65% | 9.72% | 9.90% | 9.76% | 9.81% | 10.24% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.44% | 84.04% | 83.36% | 85.69% | 83.76% | 82.32% | 84.24% | 86.08% | +39 bps | |
| Liquid Assets / Assets | 9.04% | 9.73% | 8.60% | 7.38% | 8.18% | 9.12% | 7.50% | 5.01% | -237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |