Odon, IN · Cert 4405
FDIC · 2 branches
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.65% | 0.67% | 0.77% | 0.77% | 0.75% | 0.65% | -2 bps | |
| Return on Equity | 8.80% | 7.98% | 7.93% | 8.46% | 10.47% | 10.11% | 9.77% | 8.57% | +11 bps | |
| Net Interest Margin | 2.92% | 2.80% | 2.79% | 2.73% | 2.81% | 2.80% | 2.74% | 2.72% | -1 bps | |
| Efficiency Ratio | 73.82% | 75.58% | 75.91% | 74.22% | 69.71% | 69.67% | 70.76% | 75.03% | +81 bps | |
| Non-Interest Burden | 1.94% | 1.93% | 1.93% | 1.83% | 1.72% | 1.73% | 1.72% | 1.86% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.85% | 9.12% | 6.31% | 6.37% | 7.78% | 7.09% | 8.86% | 9.72% | +336 bps | |
| Loan Growth (YoY) | 6.18% | 0.65% | 2.21% | -2.55% | 2.85% | 6.25% | 1.71% | 2.89% | +544 bps | |
| Deposit Growth (YoY) | 5.64% | 7.63% | 7.50% | 7.07% | 8.04% | 9.20% | 9.61% | 9.77% | +269 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.15% | 0.15% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.01% | -0.01% | 0.02% | 0.02% | 0.08% | +8 bps | |
| Allowance / Loans | 1.65% | 1.73% | 1.71% | 1.78% | 1.77% | 1.77% | 1.76% | 1.72% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 10.1x | 11.5x | 11.9x | 23.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.08% | 8.05% | 8.15% | 8.02% | 8.14% | 8.25% | 8.11% | 7.98% | -4 bps | |
| Total Risk-Based Capital | 18.36% | 17.93% | 17.91% | 17.76% | 17.46% | 17.97% | 18.81% | 18.53% | +78 bps | |
| Equity / Assets | 8.20% | 8.30% | 8.28% | 7.22% | 7.50% | 8.08% | 7.88% | 7.25% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.36% | 40.48% | 40.83% | 38.47% | 39.38% | 39.38% | 37.89% | 36.06% | -241 bps | |
| Liquid Assets / Assets | 20.07% | 13.85% | 14.53% | 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 | n/a | n/a | n/a |