Bargersville, IN · Cert 29596
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.91% | 0.13% | 0.40% | 0.36% | 0.64% | 0.63% | 0.65% | +26 bps | |
| Return on Equity | 4.56% | 11.50% | 1.29% | 3.23% | 2.72% | 3.78% | 3.68% | 3.79% | +56 bps | |
| Net Interest Margin | 4.18% | 4.09% | 0.41% | 1.55% | 2.02% | 3.61% | 3.73% | 3.88% | +233 bps | |
| Efficiency Ratio | 71.86% | 72.29% | 54.79% | 64.89% | 70.39% | 77.16% | 76.55% | 75.32% | +1,043 bps | |
| Non-Interest Burden | 2.71% | 2.61% | 0.18% | 0.87% | 1.30% | 2.64% | 2.69% | 2.74% | +187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | -3.59% | 9.25% | 4.36% | 17.47% | 16.13% | 0.73% | 3.82% | -54 bps | |
| Loan Growth (YoY) | -1.88% | -4.85% | -9.53% | -10.70% | -6.58% | -4.38% | -4.50% | -6.41% | +429 bps | |
| Deposit Growth (YoY) | 1.62% | -3.44% | 0.06% | -7.88% | 3.73% | 4.92% | -5.55% | 5.58% | +1,346 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 | 0.94% | 0.47% | 0.10% | 0.27% | 0.29% | -0.02% | 0.91% | 0.79% | +52 bps | |
| Allowance / Loans | 1.19% | 1.16% | 1.72% | 1.68% | 1.78% | 1.83% | 1.46% | 1.46% | -23 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 | 10.50% | 10.92% | 7.97% | 11.18% | 11.13% | 11.69% | 11.60% | 12.11% | +93 bps | |
| Equity / Assets | 7.74% | 8.07% | 14.77% | 17.67% | 16.66% | 17.42% | 17.07% | 17.80% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.72% | 101.80% | 94.78% | 102.66% | 94.31% | 92.77% | 95.83% | 91.01% | -1,165 bps | |
| Liquid Assets / Assets | 4.63% | 7.52% | 10.69% | 1.30% | 3.01% | 1.68% | 0.10% | 0.15% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |