Odon, IN · Cert 4405
FDIC · 2 branches
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.77% | 0.76% | 0.72% | 0.37% | -39 bps | |
| Return on Equity | 9.74% | 10.47% | 9.82% | 8.99% | 4.87% | -487 bps | |
| Net Interest Margin | 2.80% | 2.81% | 2.83% | 2.81% | 2.75% | -5 bps | |
| Efficiency Ratio | 69.28% | 69.71% | 69.62% | 72.86% | 87.71% | +1,844 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.75% | 1.85% | 2.33% | +63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.37% | 7.78% | 7.09% | 8.86% | 9.72% | +336 bps | |
| Loan Growth (YoY) | -2.55% | 2.85% | 6.25% | 1.71% | 2.89% | +544 bps | |
| Deposit Growth (YoY) | 7.07% | 8.04% | 9.20% | 9.61% | 9.77% | +269 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.15% | 0.15% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.06% | 0.01% | 0.27% | +25 bps | |
| Allowance / Loans | 1.78% | 1.77% | 1.77% | 1.76% | 1.72% | -6 bps | |
| Allowance Coverage of NPLs | n/a | 10.1x | 11.5x | 11.9x | 23.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.02% | 8.14% | 8.25% | 8.11% | 7.98% | -4 bps | |
| Total Risk-Based Capital | 17.76% | 17.46% | 17.97% | 18.81% | 18.53% | +78 bps | |
| Equity / Assets | 7.22% | 7.50% | 8.08% | 7.88% | 7.25% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.47% | 39.38% | 39.38% | 37.89% | 36.06% | -241 bps | |
| Liquid Assets / Assets | 13.41% | 10.89% | 11.06% | 17.99% | 21.28% | +787 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |