Indianapolis, IN · Cert 4347
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.88% | 4.98% | 1.99% | 3.61% | 1.14% | 1.06% | -0.24% | 1.70% | -191 bps | |
| Return on Equity | 33.65% | 49.76% | 18.25% | 36.87% | 11.39% | 10.48% | -2.34% | 16.37% | -2,051 bps | |
| Net Interest Margin | 4.01% | 3.66% | 2.63% | 2.55% | 2.51% | 2.71% | 2.95% | 4.66% | +211 bps | |
| Efficiency Ratio | 40.59% | 38.89% | 59.65% | 49.48% | 74.94% | 72.53% | 98.99% | 63.25% | +1,377 bps | |
| Non-Interest Burden | -0.81% | -3.52% | -0.76% | -3.23% | 0.63% | 0.92% | 2.89% | 1.27% | +451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.45% | -33.12% | -28.77% | -30.46% | -28.32% | -7.68% | -9.72% | -7.18% | +2,328 bps | |
| Loan Growth (YoY) | -20.51% | -37.92% | -36.48% | -38.44% | -34.72% | -12.04% | -11.15% | -8.11% | +3,033 bps | |
| Deposit Growth (YoY) | -13.13% | 2.12% | 6.87% | 5.99% | 7.23% | 8.16% | -3.38% | -6.32% | -1,231 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 | 0.12% | 0.17% | 0.37% | 0.10% | 0.11% | 0.24% | 0.29% | 0.28% | +18 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 12.25% | 15.79% | 12.00% | 11.94% | 11.71% | 11.24% | 10.94% | 11.20% | -74 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 468% | 303% | 279% | 272% | 285% | 247% | 257% | 266% | -519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |