Elkhart, IN · Cert 35270
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.62% | -0.26% | -0.70% | -1.69% | -2.25% | -7.75% | -2.25% | -156 bps | |
| Return on Equity | 5.92% | 6.48% | -2.81% | -7.84% | -19.90% | -30.01% | -117.61% | -35.62% | -2,778 bps | |
| Net Interest Margin | 2.91% | 3.09% | 3.11% | 2.31% | 2.02% | 2.31% | 2.55% | 2.59% | +28 bps | |
| Efficiency Ratio | 49.20% | 58.15% | 51.07% | 77.94% | 99.04% | 93.76% | 113.30% | 133.54% | +5,560 bps | |
| Non-Interest Burden | 1.37% | 1.76% | 1.51% | 1.75% | 2.00% | 2.15% | 2.85% | 3.30% | +155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 12.25% | 14.13% | 11.60% | 5.81% | 19.34% | -0.12% | -5.76% | -1,735 bps | |
| Loan Growth (YoY) | 13.16% | 14.16% | 12.65% | 5.33% | -2.87% | -9.65% | -14.31% | -18.97% | -2,430 bps | |
| Deposit Growth (YoY) | 2.19% | 11.40% | 20.92% | 13.82% | 9.87% | 27.56% | 3.38% | -2.89% | -1,672 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 | 0.07% | -0.01% | 0.29% | 2.74% | 1.28% | 0.57% | 7.37% | 5.99% | +325 bps | |
| Allowance / Loans | 1.60% | 1.64% | 2.09% | 1.93% | 2.50% | 3.72% | 3.55% | 3.31% | +138 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 | 10.30% | 10.14% | 10.08% | 10.08% | 10.32% | 9.83% | 8.17% | 8.22% | -186 bps | |
| Equity / Assets | 9.63% | 9.53% | 9.14% | 8.62% | 8.40% | 6.73% | 6.42% | 6.22% | -240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.39% | 112.96% | 105.17% | 98.62% | 98.48% | 80.00% | 87.17% | 82.30% | -1,633 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.00% | 4.19% | 7.35% | 22.43% | 16.87% | 20.40% | +1,620 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |