Evansville, IN · Cert 4392
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.64% | -12.14% | -7.12% | -1.15% | -2.18% | -6.42% | -7.84% | -4.43% | -328 bps | |
| Return on Equity | -18.65% | -154.57% | -120.21% | -23.01% | -44.20% | -149.72% | -288% | -301% | -27,758 bps | |
| Net Interest Margin | 2.02% | 2.12% | 2.12% | 1.95% | 1.71% | 1.58% | 1.72% | 1.84% | -11 bps | |
| Efficiency Ratio | 94.31% | 74.07% | 93.79% | 79.96% | 66.51% | 146.21% | 155.56% | 154.08% | +7,412 bps | |
| Non-Interest Burden | 1.90% | 1.16% | 1.98% | 1.27% | -0.23% | 2.77% | 3.23% | 3.37% | +209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.76% | -12.83% | -17.96% | -11.12% | -19.39% | -17.23% | -25.23% | -32.71% | -2,159 bps | |
| Loan Growth (YoY) | -8.94% | -15.33% | -17.16% | -22.96% | -34.97% | -36.05% | -36.28% | -36.22% | -1,327 bps | |
| Deposit Growth (YoY) | 3.93% | 1.01% | -7.19% | -0.82% | -13.16% | -15.98% | -23.61% | -31.56% | -3,074 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 | 3.89% | 4.02% | 7.81% | 2.68% | 7.37% | 10.62% | 6.19% | 11.43% | +875 bps | |
| Allowance / Loans | 3.53% | 4.20% | 5.06% | 5.87% | 6.54% | 7.09% | 8.76% | 8.33% | +246 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 | 10.20% | 10.05% | 8.16% | 8.49% | 9.34% | 7.32% | 4.38% | 2.82% | -567 bps | |
| Equity / Assets | 8.86% | 6.73% | 5.11% | 4.86% | 5.01% | 3.50% | 1.86% | 1.05% | -381 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.56% | 89.15% | 83.22% | 73.48% | 67.81% | 67.85% | 69.41% | 68.47% | -501 bps | |
| Liquid Assets / Assets | 1.51% | 10.28% | 14.18% | 20.11% | 19.40% | 18.75% | 14.11% | 13.19% | -692 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |