Indianapolis, IN · Cert 34715
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.84% | -4.11% | -0.28% | 0.19% | -1.02% | 2.43% | -0.76% | -0.32% | -51 bps | |
| Return on Equity | -18.86% | -42.52% | -3.04% | 1.95% | -9.72% | 21.98% | -6.43% | -2.60% | -455 bps | |
| Net Interest Margin | 2.50% | 2.42% | 2.72% | 2.39% | 2.48% | 2.71% | 2.61% | 2.60% | +20 bps | |
| Efficiency Ratio | 91.01% | 256% | 98.71% | 118.23% | 138.47% | 111.28% | 113.84% | 123.98% | +575 bps | |
| Non-Interest Burden | 2.24% | 7.13% | 2.68% | 2.91% | 3.52% | 3.05% | 3.05% | 3.29% | +38 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 | 10.12% | 8.64% | 1.51% | -0.39% | -0.20% | -1.53% | -0.23% | 0.00% | +39 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 |