Evansville, IN · Cert 4392
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.25% | -5.36% | -7.12% | -4.11% | -3.53% | -4.19% | -7.84% | -6.20% | -209 bps | |
| Return on Equity | -35.94% | -62.09% | -120.21% | -73.95% | -64.89% | -82.20% | -288% | -280% | -20,581 bps | |
| Net Interest Margin | 2.12% | 2.24% | 2.12% | 2.01% | 1.97% | 2.06% | 1.72% | 1.87% | -14 bps | |
| Efficiency Ratio | 98.41% | 91.83% | 93.79% | 86.32% | 77.28% | 87.34% | 155.56% | 154.84% | +6,852 bps | |
| Non-Interest Burden | 2.12% | 2.00% | 1.98% | 1.61% | 1.04% | 1.57% | 3.23% | 3.47% | +186 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 | 4.03% | 4.22% | 7.81% | 5.67% | 7.16% | 8.46% | 6.19% | 9.14% | +347 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 |