Crawfordsville, IN · Cert 30205
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Crawfordsville, IN · Cert 30205
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.24% | 0.08% | 0.45% | 0.54% | 0.59% | 0.57% | 0.60% | +14 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 3.44% | 3.48% | n/a | |
| Net Interest Margin | n/a | n/a | 0.33% | 1.45% | 1.76% | 1.98% | 2.38% | 2.47% | +102 bps | |
| Efficiency Ratio | n/a | n/a | 71.06% | 56.15% | 57.62% | 57.67% | 62.88% | 62.22% | +606 bps | |
| Non-Interest Burden | n/a | n/a | 0.23% | 0.80% | 1.00% | 1.13% | 1.49% | 1.53% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.25% | 1.58% | 4.33% | 3.49% | 8.23% | 4.66% | 0.28% | 0.22% | -327 bps | |
| Loan Growth (YoY) | -0.23% | 1.57% | -2.30% | -2.16% | -1.88% | -1.32% | 0.41% | 0.81% | +298 bps | |
| Deposit Growth (YoY) | -7.16% | -8.65% | -5.76% | -6.73% | -0.07% | 1.48% | 0.32% | 1.31% | +805 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 | n/a | n/a | 0.00% | 0.08% | 0.15% | 0.14% | 0.03% | 0.07% | 0 bps | |
| Allowance / Loans | n/a | n/a | 0.88% | 0.86% | 0.78% | 0.74% | 0.53% | 0.55% | -31 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 | n/a | n/a | 10.64% | 11.54% | 11.40% | 10.31% | 9.39% | 11.31% | -23 bps | |
| Equity / Assets | n/a | n/a | 14.86% | 16.61% | 16.39% | 16.63% | 16.75% | 18.02% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.11% | 126.63% | 121.55% | 122.67% | 120.87% | 123.13% | 121.65% | 122.07% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.30% | 2.07% | 0.21% | 0.82% | 0.94% | 0.15% | -192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |