Franklin, IN · Cert 34597
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07%1 | -0.45% | -0.06% | 0.30% | 0.33%1 | 0.24% | 0.44% | -0.15% | -45 bps | |
| Return on Equity | 0.74% | -4.61% | -0.64% | 3.09% | 3.36% | 2.39% | 4.42% | -1.49% | -458 bps | |
| Net Interest Margin | 3.72% | 3.86% | 3.91% | 3.78% | 3.79% | 3.76% | 3.74% | 3.35% | -43 bps | |
| Efficiency Ratio | 79.35% | 94.31% | 74.56% | 73.31% | 87.82% | 78.33% | 76.11% | 103.01% | +2,970 bps | |
| Non-Interest Burden | 2.69% | 3.63% | 2.61% | 2.46% | 3.24% | 2.67% | 2.61% | 3.47% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.79% | -4.18% | -10.20% | 2.38% | -0.97% | 5.38% | 3.86% | 2.99% | +61 bps | |
| Loan Growth (YoY) | -4.35% | -6.49% | -8.78% | -7.90% | -6.66% | -5.79% | -4.21% | -6.19% | +171 bps | |
| Deposit Growth (YoY) | -2.84% | -2.21% | -9.09% | 6.81% | 9.21% | 11.27% | 10.28% | 8.57% | +176 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 | 0.15% | 5.87% | 1.40% | 0.02% | 0.17% | 4.77% | -0.01% | -0.02% | -3 bps | |
| Allowance / Loans | 2.96% | 2.06% | 2.44% | 2.87% | 3.04% | 2.38% | 2.72% | 2.98% | +11 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 | 14.79% | 14.89% | 15.07% | 15.43% | 15.92% | 16.17% | 16.73% | 16.81% | +139 bps | |
| Equity / Assets | 9.89% | 9.68% | 9.77% | 9.63% | 10.06% | 9.74% | 10.20% | 9.84% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.03% | 74.74% | 74.06% | 69.43% | 68.40% | 63.29% | 64.33% | 59.99% | -944 bps | |
| Liquid Assets / Assets | 6.13% | 5.61% | 5.80% | 9.81% | 6.98% | 11.83% | 10.31% | 15.55% | +574 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |