Muncie, IN · Cert 33001
FDIC
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Muncie, IN · Cert 33001
FDIC
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 12.37% | 12.32% | 13.82% | 15.06% | 14.37% | 14.71% | 17.61% | 9.04% | -602 bps | |
| Return on Equity | 18.57% | 18.39% | 19.60% | 21.57% | 20.54% | 21.08% | 24.12% | 12.43% | -913 bps | |
| Net Interest Margin | 0.55% | 0.48% | 0.38% | 0.36% | 0.34% | 0.33% | 0.29% | 0.25% | -11 bps | |
| Efficiency Ratio | 84.62% | 84.37% | 82.96% | 82.92% | 82.97% | 82.35% | 79.88% | 87.57% | +465 bps | |
| Non-Interest Burden | -21.82% | -22.00% | -25.00% | -27.22% | -25.46% | -26.34% | -29.79% | -14.63% | +1,259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.35% | -4.71% | 10.91% | 3.45% | 3.03% | 11.55% | 1.27% | 50.87% | +4,743 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 130.15% | 126.80% | 143.87% | 133.11% | 145.88% | 141.66% | 159.67% | 117.92% | -1,520 bps | |
| Equity / Assets | 69.89% | 68.64% | 72.35% | 68.50% | 70.34% | 69.03% | 77.39% | 72.28% | +378 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |