PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National City Bank of Indiana

Indianapolis, IN · Cert 4347

FDIC

Q2 2006

$26.5BAssets
$20.2BLoans
$7.6BDeposits
$2.8BEquity
Loan mix
90%RE $17.9B10%C&I $2.0B0%Consumer $0.0BQ3 2004Q2 2006
Deposit mix
76%Interest-bearing $5.7B24%Noninterest $1.8BQ3 2004Q2 2006

Executive Summary

  • Earnings: ROA of 0.73%, down 207 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.28%.
  • Funding: loans stand at 266.48% of deposits as of Q2 2006.

Return on Assets (YTD, annualized)

0.73%-207 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+122 bps YoY

Efficiency Ratio (YTD, annualized)

77.35%+2,341 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.30%Q2 ’044.73%Q2 ’057.32%Q2 ’06-35%+46%

Non-interest income vs. expense

3.50%Q2 ’045.53%Q2 ’055.89%Q2 ’06-95%+207%

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets3.09%3.58%1.99%2.80%2.25%1.97%-0.24%0.73%-207 bps
Return on Equity33.64%37.18%18.25%26.55%21.50%18.97%-2.34%7.07%-1,948 bps
Net Interest Margin4.18%4.22%2.63%2.66%2.51%2.66%2.95%3.88%+122 bps
Efficiency Ratio40.28%39.86%59.65%53.94%59.82%62.21%98.99%77.35%+2,341 bps
Non-Interest Burden-0.98%-1.66%-0.76%-2.02%-1.06%-0.61%2.89%2.16%+417 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.21%0.37%0.24%0.19%0.22%0.29%0.28%+4 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.25%15.79%12.00%11.94%11.71%11.24%10.94%11.20%-74 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits468%303%279%272%285%247%257%266%-519 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a