Indianapolis, IN · Cert 29057
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Indianapolis, IN · Cert 29057
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 2.12% | 1.76% | 1.64% | 1.32% | 1.11% | 1.09% | -0.16% | -180 bps | |
| Return on Equity | 27.62% | 20.21% | 17.09% | 16.15% | 13.50% | 11.40% | 11.11% | -1.67% | -1,782 bps | |
| Net Interest Margin | 3.91% | 3.81% | 3.63% | 3.62% | 3.73% | 3.66% | 3.64% | 3.70% | +8 bps | |
| Efficiency Ratio | 42.73% | 50.27% | 54.31% | 54.95% | 56.95% | 60.49% | 61.38% | 80.65% | +2,569 bps | |
| Non-Interest Burden | -0.92% | 0.49% | 0.96% | 1.11% | 1.60% | 1.84% | 1.85% | 2.79% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.11% | 9.09% | 7.21% | 9.94% | 4.28% | 6.37% | -2.01% | -2.09% | -1,203 bps | |
| Loan Growth (YoY) | 6.20% | 9.13% | 6.77% | 8.07% | 6.76% | 2.99% | 1.04% | -7.84% | -1,591 bps | |
| Deposit Growth (YoY) | 8.18% | 9.38% | 17.19% | 11.19% | 5.98% | 5.60% | -6.21% | -2.13% | -1,332 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 | 0.12% | 0.16% | 0.20% | 0.42% | 0.26% | 0.26% | 0.59% | 1.53% | +111 bps | |
| Allowance / Loans | 2.45% | 2.18% | 2.07% | 1.80% | 1.75% | 1.65% | 1.34% | 2.06% | +26 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 | 12.50% | 12.00% | 11.73% | 11.99% | 11.43% | 11.17% | 10.77% | 10.21% | -179 bps | |
| Equity / Assets | 10.43% | 10.16% | 9.76% | 9.66% | 9.86% | 9.64% | 9.95% | 8.93% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.04% | 105.09% | 101.10% | 105.03% | 104.81% | 102.50% | 108.92% | 98.90% | -613 bps | |
| Liquid Assets / Assets | 0.12% | 0.52% | 0.33% | 0.29% | 0.12% | 0.10% | 0.12% | 0.02% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |