New Albany, IN · Cert 29664
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 Albany, IN · Cert 29664
FDIC
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.13% | 1.12% | 1.15% | 1.03% | 1.08% | 1.13% | 1.13% | -3 bps | |
| Return on Equity | 12.81% | 12.65% | 12.63% | 13.25% | 12.06% | 12.75% | 13.18% | 13.02% | -23 bps | |
| Net Interest Margin | 3.09% | 2.99% | 2.73% | 2.72% | 2.90% | 2.93% | 2.93% | 2.82% | +10 bps | |
| Efficiency Ratio | 53.19% | 53.12% | 54.39% | 52.75% | 55.57% | 54.88% | 53.34% | 53.10% | +35 bps | |
| Non-Interest Burden | 1.32% | 1.25% | 1.16% | 1.11% | 1.31% | 1.30% | 1.26% | 1.21% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | -15.76% | -0.57% | 10.93% | 3.51% | 7.93% | 6.47% | -2.92% | -1,384 bps | |
| Loan Growth (YoY) | -6.03% | -7.59% | -4.95% | 2.04% | 4.00% | 9.75% | 8.02% | 3.73% | +169 bps | |
| Deposit Growth (YoY) | 13.48% | -19.44% | -3.26% | 12.57% | -6.15% | -5.18% | 7.45% | -17.31% | -2,987 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 | 0.05% | 0.08% | 0.05% | 0.09% | 0.09% | 0.12% | 0.09% | 0.10% | +1 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.23% | 1.09% | 1.05% | 0.98% | 0.99% | 0.99% | -10 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 | 12.16% | 11.43% | 11.55% | 11.20% | 11.67% | 11.02% | 11.09% | 11.64% | +44 bps | |
| Equity / Assets | 9.09% | 8.78% | 8.67% | 8.14% | 9.04% | 8.23% | 8.84% | 9.03% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.87% | 77.71% | 80.16% | 72.30% | 87.39% | 89.94% | 80.58% | 90.69% | +1,839 bps | |
| Liquid Assets / Assets | 0.06% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |