Washington, IN · Cert 4417
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 | 1.52% | 1.01% | 1.69% | 1.63% | 1.54% | 1.57% | 1.56% | 1.47% | -16 bps | |
| Return on Equity | 19.60% | 13.02% | 19.73% | 19.17% | 18.36% | 18.79% | 19.42% | 18.41% | -76 bps | |
| Net Interest Margin | 3.74% | 3.71% | 3.75% | 3.69% | 3.57% | 3.51% | 3.56% | 3.39% | -30 bps | |
| Efficiency Ratio | 45.14% | 44.28% | 44.21% | 45.18% | 46.20% | 47.51% | 46.00% | 47.72% | +253 bps | |
| Non-Interest Burden | 1.37% | 1.33% | 1.30% | 1.32% | 1.32% | 1.34% | 1.27% | 1.28% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.67% | -0.17% | -0.17% | -1.90% | -0.21% | 0.78% | 4.14% | 4.49% | +640 bps | |
| Loan Growth (YoY) | 0.78% | -0.90% | 0.53% | -1.81% | 0.49% | 3.30% | 1.21% | 4.67% | +648 bps | |
| Deposit Growth (YoY) | 5.79% | 3.59% | 0.87% | -4.34% | -6.95% | -4.31% | 1.88% | 8.26% | +1,259 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 | 0.12% | 0.12% | -0.01% | -0.09% | 0.08% | 0.28% | 0.36% | 0.17% | +26 bps | |
| Allowance / Loans | 1.20% | 1.25% | 1.25% | 1.32% | 1.22% | 0.83% | 0.79% | 0.78% | -54 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 | 11.88% | 12.32% | 13.38% | 12.03% | 11.57% | 11.47% | 11.71% | 11.24% | -79 bps | |
| Equity / Assets | 7.98% | 7.97% | 9.20% | 8.34% | 8.09% | 8.10% | 7.98% | 7.83% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.78% | 73.88% | 77.20% | 82.35% | 85.08% | 79.75% | 76.69% | 79.62% | -273 bps | |
| Liquid Assets / Assets | 2.83% | 2.78% | 1.35% | 1.77% | 1.85% | 1.90% | 1.11% | 0.93% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |