Bloomington, IN · Cert 35306
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.83% | 0.30% | 0.86% | 0.48% | 0.67% | 0.49% | 0.65% | -0.63% | -111 bps | |
| Return on Equity | -21.51% | 3.30% | 8.98% | 4.83% | 6.43% | 4.51% | 5.95% | -5.68% | -1,051 bps | |
| Net Interest Margin | 3.53% | 3.64% | 3.69% | 3.45% | 3.69% | 3.62% | 3.71% | 3.47% | +2 bps | |
| Efficiency Ratio | 61.82% | 71.37% | 69.84% | 74.54% | 64.10% | 80.21% | 75.80% | 119.12% | +4,458 bps | |
| Non-Interest Burden | 1.99% | 2.49% | 2.44% | 2.43% | 2.12% | 2.82% | 2.70% | 4.24% | +182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.08% | -17.73% | -22.05% | -20.04% | -15.56% | -9.87% | -9.93% | -13.88% | +616 bps | |
| Loan Growth (YoY) | -19.10% | -18.94% | -21.69% | -22.34% | -21.59% | -22.23% | -20.92% | -21.36% | +98 bps | |
| Deposit Growth (YoY) | -11.79% | -15.94% | -21.35% | -21.35% | -17.59% | -11.46% | -10.95% | -14.97% | +637 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 | 8.35% | 0.58% | -0.75% | 1.26% | 7.81% | -0.07% | 0.13% | -0.16% | -141 bps | |
| Allowance / Loans | 2.88% | 3.11% | 3.50% | 3.53% | 2.04% | 2.16% | 2.22% | 2.41% | -112 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 | 12.32% | 13.39% | 14.91% | 15.88% | 17.59% | 18.73% | 19.76% | 20.24% | +436 bps | |
| Equity / Assets | 8.73% | 9.28% | 9.82% | 10.10% | 10.88% | 10.92% | 10.93% | 11.35% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.18% | 90.50% | 88.44% | 84.93% | 83.89% | 79.50% | 78.54% | 78.55% | -638 bps | |
| Liquid Assets / Assets | 3.27% | 5.70% | 8.16% | 6.01% | 7.27% | 11.06% | 6.61% | 6.12% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |