La Porte, IN · Charter 4662
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
La Porte, IN · Charter 4662
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.43% | -2.09% | -2.36% | 0.86% | -1.49% | -2.00% | -2.82% | -3.26% | -412 bps | |
| Return on Equity | -18.37% | -28.71% | -35.48% | 12.19% | -23.34% | -35.27% | -61.44% | -102.37% | -11,456 bps | |
| Net Interest Margin | 5.05% | 5.11% | 5.36% | 4.90% | 5.28% | 5.46% | 4.90% | 4.70% | -21 bps | |
| Efficiency Ratio | 92.20% | 93.08% | 90.60% | 77.59% | 86.21% | 90.89% | 87.72% | 106.80% | +2,921 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.75% | -4.41% | -9.38% | -9.94% | -14.19% | -13.61% | -7.61% | -13.41% | -347 bps | |
| Loan Growth (YoY) | -6.90% | -13.44% | -15.11% | -14.66% | -15.36% | -13.41% | -14.74% | -21.59% | -693 bps | |
| Share Growth (YoY) | 1.84% | -1.26% | -5.08% | -9.01% | -11.77% | -10.87% | -5.76% | -7.35% | +166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 2.61% | 4.26% | 6.71% | 9.48% | 6.53% | 5.78% | 2.76% | -394 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 | 1.37% | 1.96% | 1.91% | 1.92% | 2.50% | 2.82% | 3.18% | 3.29% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 7.26% | 6.66% | 7.02% | 6.40% | 5.68% | 4.60% | 3.19% | -384 bps | |
| Net Worth / Assets | 7.81% | 7.26% | 6.66% | 7.02% | 6.40% | 5.68% | 4.60% | 3.19% | -384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.39% | 78.16% | 72.91% | 72.89% | 75.20% | 75.93% | 65.97% | 61.69% | -1,120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |