Fremont, IN · Cert 4342
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Fremont, IN · Cert 4342
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.36% | 0.34% | 0.35% | -1.79% | -1.44% | -0.69% | -0.56% | -91 bps | |
| Return on Equity | 4.95% | 5.25% | 4.90% | 4.90% | -26.28% | -26.56% | -12.63% | -10.30% | -1,520 bps | |
| Net Interest Margin | 4.51% | 4.39% | 4.45% | 4.43% | 4.34% | 4.29% | 4.26% | 4.33% | -10 bps | |
| Efficiency Ratio | 85.76% | 88.37% | 88.79% | 88.34% | 112.71% | 111.23% | 100.28% | 101.60% | +1,325 bps | |
| Non-Interest Burden | 3.71% | 3.76% | 3.83% | 3.79% | 5.06% | 4.93% | 4.30% | 4.45% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.41% | 10.34% | -1.04% | 0.30% | -8.08% | -11.83% | -11.41% | -11.92% | -1,222 bps | |
| Loan Growth (YoY) | 6.64% | 11.31% | 11.53% | 10.71% | 7.90% | 2.09% | -6.97% | -14.97% | -2,569 bps | |
| Deposit Growth (YoY) | 6.29% | 4.14% | -1.16% | 0.52% | -3.93% | -1.87% | -8.15% | -7.67% | -820 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 | 0.33% | 0.01% | 0.06% | 0.05% | 1.89% | 1.03% | 0.83% | 0.90% | +84 bps | |
| Allowance / Loans | 0.91% | 0.89% | 0.84% | 0.85% | 2.14% | 2.48% | 2.63% | 2.65% | +180 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 | 10.56% | 10.21% | 10.25% | 10.29% | 8.61% | 8.23% | 8.66% | 8.79% | -150 bps | |
| Equity / Assets | 7.05% | 6.77% | 7.14% | 7.31% | 5.63% | 5.20% | 5.46% | 5.48% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.05% | 75.84% | 77.48% | 81.29% | 80.92% | 78.91% | 78.48% | 74.86% | -643 bps | |
| Liquid Assets / Assets | 5.24% | 4.80% | 4.72% | 4.56% | 5.35% | 0.00% | 0.00% | 0.00% | -456 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |