Vincennes, IN · Cert 29630
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Vincennes, IN · Cert 29630
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.16% | 0.97% | 0.66% | 0.82% | 0.85% | 0.97% | 1.17% | +50 bps | |
| Return on Equity | 1.28% | 1.65% | 9.14% | 5.92% | 7.06% | 7.19% | 7.74% | 8.96% | +304 bps | |
| Net Interest Margin | 2.54% | 2.55% | 2.58% | 2.85% | 2.98% | 3.08% | 3.24% | 3.31% | +46 bps | |
| Efficiency Ratio | 79.85% | 77.78% | 67.38% | 73.17% | 68.48% | 68.05% | 65.24% | 62.96% | -1,021 bps | |
| Non-Interest Burden | 1.73% | 1.68% | 1.02% | 1.66% | 1.48% | 1.52% | 1.57% | 1.38% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.25% | -5.09% | -1.34% | -8.02% | -7.52% | -3.67% | 0.39% | -4.67% | +335 bps | |
| Loan Growth (YoY) | -5.83% | -3.55% | -0.35% | -7.47% | -5.00% | -9.27% | -9.68% | -8.46% | -99 bps | |
| Deposit Growth (YoY) | -3.48% | -1.46% | -7.63% | -0.64% | -4.02% | -2.00% | 4.92% | 2.33% | +297 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 | 0.55% | 0.84% | -0.03% | 0.18% | 0.85% | 0.73% | -0.05% | 0.08% | -10 bps | |
| Allowance / Loans | 2.16% | 2.06% | 2.14% | 2.19% | 1.87% | 1.95% | 2.08% | 2.00% | -19 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 | 14.61% | 14.85% | 16.59% | 16.68% | 17.33% | 17.89% | 18.19% | 19.31% | +263 bps | |
| Equity / Assets | 9.58% | 9.70% | 11.61% | 12.40% | 12.90% | 12.71% | 12.34% | 14.05% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.54% | 110.68% | 115.87% | 112.78% | 109.41% | 102.46% | 99.75% | 100.89% | -1,189 bps | |
| Liquid Assets / Assets | 1.13% | 2.06% | 1.07% | 0.72% | 1.03% | 0.30% | 0.18% | 0.57% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |