Bedford, IN · Cert 4386
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Bedford, IN · Cert 4386
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.46% | 0.50% | 0.68% | 0.59% | 0.03% | 0.66% | 0.41% | -27 bps | |
| Return on Equity | 3.95% | 5.23% | 5.83% | 7.88% | 6.81% | 0.38% | 5.58% | 3.03% | -485 bps | |
| Net Interest Margin | 4.16% | 4.16% | 4.04% | 4.18% | 3.98% | 4.03% | 4.54% | 4.13% | -4 bps | |
| Efficiency Ratio | 88.25% | 86.61% | 90.20% | 86.60% | 87.09% | 90.95% | 72.12% | 70.65% | -1,595 bps | |
| Non-Interest Burden | 3.58% | 3.48% | 3.56% | 3.50% | 3.36% | 3.58% | 3.36% | 2.98% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.34% | 9.49% | 0.29% | 2.21% | 3.02% | 1.38% | 18.12% | 14.47% | +1,226 bps | |
| Loan Growth (YoY) | 35.94% | 17.23% | 7.55% | 4.46% | 6.29% | 13.62% | 10.68% | 6.06% | +159 bps | |
| Deposit Growth (YoY) | -0.86% | -1.54% | -1.08% | -1.33% | 0.14% | 1.64% | 9.02% | 4.37% | +570 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 | 0.22% | 0.27% | -0.03% | 0.16% | 0.11% | 0.23% | 0.13% | 0.87% | +70 bps | |
| Allowance / Loans | 1.13% | 1.21% | 1.19% | 1.08% | 1.09% | 1.37% | 1.04% | 1.06% | -2 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 | 12.22% | 12.62% | 12.54% | 12.26% | 11.80% | 10.80% | 8.42% | 11.38% | -88 bps | |
| Equity / Assets | 8.66% | 8.56% | 8.72% | 8.68% | 8.45% | 7.68% | 15.41% | 17.24% | +856 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.83% | 89.89% | 95.01% | 95.99% | 97.47% | 100.48% | 96.45% | 97.55% | +156 bps | |
| Liquid Assets / Assets | 0.34% | 0.34% | 0.34% | 0.34% | 0.33% | 0.33% | 0.29% | 1.48% | +115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |