PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cib Bank

Indianapolis, IN · Cert 34715

FDIC

Q2 2006

$81.2MAssets
$41.0MLoans
$56.4MDeposits
$10.2MEquity
Loan mix
39%RE $4.2M61%C&I $6.6M0%Consumer $0.0MQ2 2005Q2 2006
Deposit mix
91%Interest-bearing $51.2M9%Noninterest $5.2MQ2 2005Q2 2006

NIM

4.52%Q2 ’044.82%Q2 ’055.85%Q2 ’06-6%+8%

Non-interest income vs. expense

2.49%Q2 ’043.34%Q2 ’053.57%Q2 ’06+45%+13%

Executive Summary

  • Earnings: ROA of -0.32%, down 51 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 72.66% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

-0.32%-51 bps YoY

Net Interest Margin (quarter, annualized)

2.60%+20 bps YoY

Efficiency Ratio (quarter, annualized)

123.98%+575 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.19%-1.02%2.43%-0.76%-0.32%-51 bps
Return on Equity1.95%-9.72%21.98%-6.43%-2.60%-455 bps
Net Interest Margin2.39%2.48%2.71%2.61%2.60%+20 bps
Efficiency Ratio118.23%138.47%111.28%113.84%123.98%+575 bps
Non-Interest Burden2.91%3.52%3.05%3.05%3.29%+38 bps
Growth
Asset Growth (YoY)-23.41%-17.44%-26.91%-30.36%-26.65%-324 bps
Loan Growth (YoY)-43.45%-42.89%-38.03%-33.14%-25.25%+1,820 bps
Deposit Growth (YoY)-30.07%-28.94%-32.84%-35.10%-35.41%-533 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.39%-0.20%-1.53%-0.23%0.00%+39 bps
Allowance / Loans3.36%3.87%2.98%3.41%3.35%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.57%16.72%17.47%18.52%20.72%+415 bps
Equity / Assets10.45%10.59%11.63%12.10%12.51%+207 bps
Liquidity & Funding
Loans / Deposits62.79%61.65%64.25%65.11%72.66%+988 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a