Griffith, IN · Cert 29816
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Griffith, IN · Cert 29816
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.77% | -1.75% | 0.28% | -0.13% | 0.05% | 0.33% | -10.97% | -1,125 bps | |
| Return on Equity | 1.34% | -9.48% | -21.93% | 3.77% | -1.71% | 0.64% | 4.18% | -118.84% | -12,261 bps | |
| Net Interest Margin | 2.59% | 2.72% | 2.81% | 3.05% | 2.98% | 3.02% | 3.12% | 0.00% | -305 bps | |
| Efficiency Ratio | 75.99% | 74.83% | 73.19% | 72.72% | 85.71% | 83.49% | 89.42% | n/a | n/a | |
| Non-Interest Burden | 1.92% | 1.98% | 2.00% | 2.13% | 2.51% | 2.48% | 2.76% | 635% | +63,291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.26% | -8.98% | -16.88% | -15.73% | -11.79% | -9.71% | -5.45% | -99.17% | -8,345 bps | |
| Loan Growth (YoY) | -5.19% | -9.17% | -11.69% | -13.88% | -14.33% | -13.91% | -14.33% | -100.00% | -8,612 bps | |
| Deposit Growth (YoY) | -7.28% | -9.89% | -16.15% | -14.80% | -9.71% | -7.91% | -6.70% | -100.00% | -8,520 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.23% | 2.15% | 1.98% | 0.26% | 0.92% | 0.78% | 0.59% | n/a | n/a | |
| Allowance / Loans | 2.16% | 2.47% | 2.62% | 2.87% | 2.79% | 2.85% | 2.52% | n/a | n/a | |
| 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 | 16.35% | 14.24% | 14.18% | 14.71% | 14.59% | 15.05% | 16.92% | 501% | +48,664 bps | |
| Equity / Assets | 8.54% | 8.14% | 7.48% | 7.62% | 7.67% | 7.82% | 8.44% | 100.00% | +9,238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.01% | 95.55% | 97.32% | 93.76% | 92.05% | 89.32% | 89.36% | n/a | n/a | |
| Liquid Assets / Assets | 11.26% | 11.75% | 8.73% | 11.97% | 12.07% | 14.79% | 16.54% | 0.00% | -1,197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |