Muncie, IN · Cert 33001
FDIC
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 16.33% | 13.07% | 15.84% | 17.61% | 2.64% | -1,369 bps | |
| Return on Equity | 23.20% | 18.83% | 22.74% | 24.12% | 3.56% | -1,964 bps | |
| Net Interest Margin | 0.35% | 0.31% | 0.33% | 0.29% | 0.26% | -9 bps | |
| Efficiency Ratio | 82.89% | 83.06% | 80.48% | 79.88% | 93.55% | +1,066 bps | |
| Non-Interest Burden | -29.35% | -23.68% | -29.99% | -29.79% | -5.17% | +2,418 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 133.11% | 145.88% | 141.66% | 159.67% | 117.92% | -1,520 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |