Auburn, IN · Cert 29789
FDIC · 16 branches
Q2 2015
Market Position · Fort Wayne, IN · 2015 SOD (annual) · 0.6% share · #17 of 24 inst. · $0.0B of $6.9B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.77% | 0.75% | 0.67% | 1.08%1 | +31 bps | |
| Return on Equity | 6.46% | 6.49% | 6.36% | 5.64% | 9.00% | +254 bps | |
| Net Interest Margin | 2.72% | 2.70% | 2.56% | 2.55% | 2.29% | -43 bps | |
| Efficiency Ratio | 78.06% | 76.47% | 77.26% | 75.98% | 103.20% | +2,514 bps | |
| Non-Interest Burden | 1.98% | 1.91% | 1.84% | 1.74% | 2.37% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.48% | 3.98% | 4.27% | 1.24% | -0.48% | 0 bps | |
| Loan Growth (YoY) | -2.55% | 0.20% | -0.09% | -2.58% | -1.05% | +150 bps | |
| Deposit Growth (YoY) | -2.82% | 1.09% | 4.11% | 1.06% | 0.66% | +348 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.34% | 0.28% | 0.08% | -0.01% | -49 bps | |
| Allowance / Loans | 0.86% | 0.86% | 0.83% | 0.84% | 0.87% | +2 bps | |
| Allowance Coverage of NPLs | 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 | 11.02% | 11.40% | n/a | |
| Total Risk-Based Capital | 22.29% | 22.12% | 21.52% | 22.30% | 28.08% | +579 bps | |
| Equity / Assets | 12.09% | 11.91% | 11.61% | 12.07% | 12.24% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.71% | 64.50% | 63.12% | 63.45% | 64.60% | -112 bps | |
| Liquid Assets / Assets | 8.32% | 8.16% | 10.11% | 8.24% | 44.15% | +3,584 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |