Fremont, IN · Cert 4342
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.36% | 0.32% | 0.35% | -8.52% | -1.44% | 0.09% | -0.30% | -66 bps | |
| Return on Equity | 3.43% | 5.25% | 4.55% | 4.90% | -131.13% | -26.56% | 1.63% | -5.54% | -1,044 bps | |
| Net Interest Margin | 4.51% | 4.39% | 4.49% | 4.49% | 4.16% | 4.29% | 4.20% | 4.17% | -33 bps | |
| Efficiency Ratio | 92.53% | 88.37% | 89.20% | 87.46% | 189.78% | 111.23% | 88.95% | 104.32% | +1,686 bps | |
| Non-Interest Burden | 4.11% | 3.76% | 3.89% | 3.80% | 8.96% | 4.93% | 3.63% | 4.43% | +64 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 | 0.01% | 0.01% | 0.12% | 0.04% | 7.41% | 1.03% | 0.57% | 0.93% | +88 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 |