Terre Haute, IN · Cert 32907
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Terre Haute, IN · Cert 32907
FDIC · 1 branch
Q4 2021
Market Position · Terre Haute, IN · 2021 SOD (annual) · 2.3% share · #7 of 10 inst. · $0.1B of $3.8B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.55% | 3.33% | 3.21% | 4.14% | 4.60% | 5.46% | 5.82% | 5.92% | +177 bps | |
| Return on Equity | 13.82% | 13.35% | 13.13% | 17.07% | 19.00% | 22.32% | 23.40% | 23.30% | +624 bps | |
| Net Interest Margin | 10.75% | 10.44% | 10.06% | 10.12% | 11.23% | 11.25% | 11.36% | 11.38% | +125 bps | |
| Efficiency Ratio | 30.54% | 29.33% | 28.97% | 28.50% | 28.82% | 27.84% | 27.15% | 26.57% | -192 bps | |
| Non-Interest Burden | 3.16% | 2.96% | 2.80% | 2.80% | 3.11% | 3.04% | 3.00% | 2.95% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.88% | 29.97% | 29.45% | 25.40% | 15.08% | 8.93% | 4.19% | 2.39% | -2,301 bps | |
| Loan Growth (YoY) | 32.15% | 34.02% | 32.40% | 28.03% | 18.46% | 11.72% | 7.14% | 5.54% | -2,249 bps | |
| Deposit Growth (YoY) | 32.62% | 36.12% | 41.01% | 30.79% | 18.19% | 11.13% | -3.30% | -5.14% | -3,593 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.87% | 0.77% | 0.73% | 0.55% | 0.48% | 0.56% | 0.65% | -8 bps | |
| Net Charge-Offs / Loans | 2.33% | 1.87% | 1.41% | 1.16% | 0.86% | 0.30% | 0.15% | 0.15% | -101 bps | |
| Allowance / Loans | 4.71% | 4.88% | 5.48% | 5.16% | 5.30% | 5.26% | 5.21% | 5.31% | +15 bps | |
| Allowance Coverage of NPLs | 5.5x | 5.6x | 7.1x | 7.1x | 9.6x | 10.9x | 9.3x | 8.2x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.82% | 24.53% | 23.39% | 24.09% | 24.98% | 24.98% | 26.19% | 27.45% | +335 bps | |
| Total Risk-Based Capital | 27.09% | 25.77% | 25.19% | 26.14% | 26.60% | 26.69% | 27.66% | 29.29% | +315 bps | |
| Equity / Assets | 24.78% | 23.67% | 22.97% | 23.77% | 24.69% | 24.99% | 25.98% | 27.45% | +367 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 133.81% | 133.77% | 126.61% | 126.98% | 134.12% | 134.48% | 140.28% | 141.28% | +1,430 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.01% | 0.00% | 0.40% | 0.00% | 0.20% | 0.27% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |