Indianapolis, IN · Cert 34715
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.
Indianapolis, IN · Cert 34715
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 | -0.94% | -1.65% | -0.28% | -0.05% | -0.35% | 0.27% | -0.76% | -0.55% | -49 bps | |
| Return on Equity | -10.04% | -17.69% | -3.04% | -0.55% | -3.59% | 2.62% | -6.43% | -4.54% | -399 bps | |
| Net Interest Margin | 2.99% | 2.90% | 2.72% | 2.71% | 2.72% | 2.85% | 2.61% | 2.74% | +3 bps | |
| Efficiency Ratio | 81.25% | 120.04% | 98.71% | 107.68% | 116.77% | 115.48% | 113.84% | 118.46% | +1,079 bps | |
| Non-Interest Burden | 2.34% | 3.58% | 2.68% | 2.94% | 3.23% | 3.34% | 3.05% | 3.32% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.70% | -18.80% | -18.62% | -23.41% | -17.44% | -26.91% | -30.36% | -26.65% | -324 bps | |
| Loan Growth (YoY) | -39.75% | -36.16% | -38.45% | -43.45% | -42.89% | -38.03% | -33.14% | -25.25% | +1,820 bps | |
| Deposit Growth (YoY) | -29.43% | -25.79% | -26.63% | -30.07% | -28.94% | -32.84% | -35.10% | -35.41% | -533 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 | 3.37% | 5.08% | 1.51% | 0.68% | 0.45% | -0.02% | -0.23% | -0.12% | -80 bps | |
| Allowance / Loans | 5.82% | 2.91% | 3.14% | 3.36% | 3.87% | 2.98% | 3.41% | 3.35% | -1 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 | 13.71% | 14.35% | 15.45% | 16.57% | 16.72% | 17.47% | 18.52% | 20.72% | +415 bps | |
| Equity / Assets | 10.18% | 9.14% | 9.26% | 10.45% | 10.59% | 11.63% | 12.10% | 12.51% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.72% | 69.63% | 63.21% | 62.79% | 61.65% | 64.25% | 65.11% | 72.66% | +988 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.04% | 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 |