Fort Wayne, IN · Charter 379
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.00% | -0.06% | 0.01% | -0.03% | -0.08% | -0.13% | -2.08% | -209 bps | |
| Return on Equity | 0.86% | 0.02% | -0.67% | 0.06% | -0.34% | -0.80% | -1.43% | -22.58% | -2,265 bps | |
| Net Interest Margin | 2.03% | 2.17% | 1.91% | 1.99% | 1.95% | 2.00% | 1.82% | 1.97% | -2 bps | |
| Efficiency Ratio | 95.32% | 96.68% | 98.72% | 96.10% | 98.00% | 99.20% | 106.20% | 187.08% | +9,098 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.87% | 5.87% | 2.63% | 2.13% | -1.45% | 1.02% | 0.21% | -6.32% | -846 bps | |
| Loan Growth (YoY) | -4.09% | -5.62% | -4.94% | -7.18% | -5.16% | -5.16% | -6.24% | -7.52% | -34 bps | |
| Share Growth (YoY) | 8.52% | 6.45% | 3.00% | 3.68% | -0.69% | 2.49% | 1.20% | -6.10% | -978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 1.63% | 1.17% | 0.92% | 0.68% | 0.54% | 0.60% | 0.39% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.88% | 0.89% | 0.88% | 0.88% | 0.84% | 1.00% | 0.84% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 10.04% | 9.32% | 9.70% | 9.58% | 9.85% | 9.21% | 9.22% | -47 bps | |
| Net Worth / Assets | 9.52% | 10.04% | 9.32% | 9.70% | 9.58% | 9.85% | 9.21% | 9.22% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.89% | 32.38% | 28.49% | 29.16% | 29.50% | 29.96% | 26.39% | 28.72% | -44 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |