Tell City, IN · Cert 33949
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Tell City, IN · Cert 33949
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.04% | 0.99% | 1.16% | 1.17% | 1.08% | 1.04% | 1.11% | -5 bps | |
| Return on Equity | 12.14% | 12.64% | 11.98% | 14.00% | 13.95% | 11.75% | 9.32% | 10.21% | -379 bps | |
| Net Interest Margin | 3.62% | 3.53% | 3.51% | 3.27% | 3.43% | 2.59% | 3.46% | 3.49% | +21 bps | |
| Efficiency Ratio | 58.94% | 57.34% | 55.43% | 52.93% | 51.79% | 56.91% | 58.33% | 56.32% | +339 bps | |
| Non-Interest Burden | 1.80% | 1.69% | 1.56% | 1.35% | 1.36% | 1.22% | 1.76% | 1.65% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | 8.26% | 13.48% | 10.87% | 7.32% | 50.48% | 37.57% | 32.76% | +2,189 bps | |
| Loan Growth (YoY) | 10.93% | 11.17% | 1.82% | -1.98% | -3.23% | 44.17% | 43.19% | 46.19% | +4,817 bps | |
| Deposit Growth (YoY) | 1.84% | 6.71% | 12.47% | 11.67% | 11.88% | 53.86% | 38.69% | 31.04% | +1,937 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 | 0.31% | 0.30% | 0.18% | 0.13% | 0.13% | 0.17% | 0.76% | 0.47% | +35 bps | |
| Allowance / Loans | 1.18% | 1.20% | 1.29% | 1.29% | 1.36% | 1.10% | 0.95% | 0.92% | -38 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 | 10.31% | 10.72% | 11.26% | 11.74% | 12.17% | 14.09% | 12.69% | 12.03% | +29 bps | |
| Equity / Assets | 8.25% | 8.39% | 8.12% | 8.34% | 8.78% | 11.47% | 10.78% | 10.38% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.94% | 88.11% | 79.77% | 75.16% | 76.93% | 82.56% | 82.35% | 83.85% | +869 bps | |
| Liquid Assets / Assets | 0.83% | 0.73% | 0.91% | 1.18% | 0.17% | 0.33% | 0.34% | 0.30% | -88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |