Lafayette, IN · Cert 35476
FDIC · 4 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lafayette, IN · Cert 35476
FDIC · 4 branches
Q2 2017
Market Position · Lafayette-West Lafayette, IN · 2017 SOD (annual) · 4.7% share · #5 of 20 inst. · $0.1B of $3.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.35% | 0.37% | 0.53% | 0.53% | 0.54% | 0.55% | 0.56% | +2 bps | |
| Return on Equity | 2.32% | 3.14% | 3.27% | 4.78% | 4.80% | 4.80% | 4.79% | 4.82% | +4 bps | |
| Net Interest Margin | 2.98% | 2.86% | 3.08% | 2.97% | 3.00% | 3.08% | 3.32% | 3.31% | +34 bps | |
| Efficiency Ratio | 84.41% | 84.40% | 83.14% | 83.15% | 80.76% | 79.59% | 75.24% | 75.89% | -727 bps | |
| Non-Interest Burden | 2.44% | 2.35% | 2.51% | 2.41% | 2.35% | 2.37% | 2.40% | 2.43% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.86% | 3.96% | 2.73% | 5.86% | 0.65% | 2.63% | 1.96% | -0.80% | -667 bps | |
| Loan Growth (YoY) | 8.75% | 6.62% | 5.96% | 11.56% | 21.62% | 22.26% | 20.67% | 14.77% | +320 bps | |
| Deposit Growth (YoY) | 9.71% | 4.33% | 2.73% | 6.09% | 0.12% | -1.87% | -0.14% | -1.46% | -754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.54% | 1.45% | +145 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | -0.05% | -0.03% | -0.02% | -0.02% | 0.49% | 0.25% | +27 bps | |
| Allowance / Loans | 1.47% | 1.24% | 1.22% | 1.16% | 1.07% | 1.03% | 0.91% | 0.93% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.95% | 10.71% | 11.21% | 10.96% | 10.91% | 11.14% | 11.42% | 11.38% | +41 bps | |
| Total Risk-Based Capital | 15.64% | 15.29% | 15.57% | 15.55% | 14.76% | 15.15% | 15.10% | 15.57% | +2 bps | |
| Equity / Assets | 10.60% | 11.31% | 11.03% | 11.15% | 11.03% | 11.52% | 11.30% | 11.76% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.24% | 76.56% | 75.61% | 79.73% | 84.11% | 95.38% | 91.37% | 92.86% | +1,313 bps | |
| Liquid Assets / Assets | 12.49% | 5.46% | 10.17% | 11.33% | 8.00% | 4.13% | 5.62% | 4.26% | -706 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |