Fort Wayne, IN · Cert 35040
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.04% | 1.22% | 1.26% | 1.02% | 1.37% | 1.56% | 1.68% | +42 bps | |
| Return on Equity | 7.48% | 8.07% | 9.84% | 10.65% | 8.70% | 12.00% | 13.60% | 13.91% | +327 bps | |
| Net Interest Margin | 3.57% | 3.52% | 3.28% | 3.03% | 3.11% | 3.03% | 3.02% | 2.97% | -7 bps | |
| Efficiency Ratio | 61.83% | 62.50% | 71.27% | 68.53% | 65.93% | 68.36% | 73.22% | 61.74% | -679 bps | |
| Non-Interest Burden | 1.70% | 1.67% | 1.96% | 1.63% | 1.57% | 1.60% | 1.86% | 1.29% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | -1.65% | -2.43% | 4.42% | 4.38% | 8.01% | 1.19% | -0.78% | -520 bps | |
| Loan Growth (YoY) | -4.77% | -1.87% | -2.59% | -4.06% | -4.89% | -2.25% | 0.56% | -8.20% | -414 bps | |
| Deposit Growth (YoY) | 0.02% | -6.89% | -7.23% | 5.49% | 5.44% | 11.26% | 6.47% | -1.48% | -697 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 | 0.86% | 0.96% | 0.40% | 0.31% | 0.16% | 0.12% | -0.05% | -0.27% | -59 bps | |
| Allowance / Loans | 1.94% | 1.84% | 1.82% | 1.72% | 1.76% | 1.50% | 1.25% | 1.25% | -47 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 | 15.75% | 16.12% | 15.30% | 15.72% | 15.84% | 15.52% | 15.89% | 17.85% | +213 bps | |
| Equity / Assets | 12.67% | 13.07% | 11.78% | 11.84% | 11.53% | 11.29% | 11.66% | 12.48% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.50% | 87.58% | 81.00% | 75.88% | 76.22% | 76.94% | 76.50% | 70.70% | -518 bps | |
| Liquid Assets / Assets | 2.03% | 0.47% | 0.21% | 1.22% | 0.17% | 0.31% | 4.33% | 10.01% | +879 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |