Fort Wayne, IN · Charter 4544
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fort Wayne, IN · Charter 4544
Q2 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | -0.25% | -0.20% | -0.58% | -1.41% | -1.95% | -3.27% | 1.57% | 1.51% | +292 bps | |
| Return on Equity | -2.65% | -2.05% | -6.19% | -15.03% | -22.21% | -44.72% | 20.80% | 18.82% | +3,385 bps | |
| Net Interest Margin | 4.65% | 4.88% | 4.42% | 4.61% | 4.74% | 4.83% | 4.52% | 4.28% | -33 bps | |
| Efficiency Ratio | 92.06% | 90.85% | 77.02% | 83.04% | 79.62% | 79.24% | 74.89% | 75.18% | -786 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.66% | -3.51% | -3.67% | -10.29% | -7.74% | -5.47% | -7.66% | -4.25% | +605 bps | |
| Loan Growth (YoY) | -5.85% | -6.45% | -7.15% | -4.22% | -0.12% | -6.98% | -11.32% | -15.76% | -1,154 bps | |
| Share Growth (YoY) | -7.93% | -3.99% | -3.64% | -10.39% | -7.29% | -2.36% | -5.56% | -2.54% | +784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 1.45% | 0.76% | 0.86% | 1.00% | 2.20% | 1.26% | 2.06% | +120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 0.65% | 0.97% | 0.95% | 1.96% | 3.37% | 3.48% | 3.73% | +278 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.46% | 10.00% | 9.43% | 9.36% | 8.79% | 7.31% | 7.56% | 8.02% | -134 bps | |
| Net Worth / Assets | 9.46% | 10.00% | 9.43% | 9.36% | 8.79% | 7.31% | 7.56% | 8.02% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.31% | 92.75% | 86.21% | 91.60% | 92.98% | 88.36% | 80.96% | 79.17% | -1,242 bps | |
| Liquid Assets / Assets | 13.60% | 9.43% | 14.84% | 8.64% | 10.43% | 14.45% | 18.23% | 0.00% | -864 bps | |