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Goshen Community Bank

Goshen, IN · Cert 57037

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Goshen Community Bank

Goshen, IN · Cert 57037

FDIC

Q4 2013

$86.4MAssets
$71.3MLoans
$77.9MDeposits
$8.2MEquity
Loan mix
81%RE $49.5M18%C&I $11.2M1%Consumer $0.3MQ4 2012Q4 2013
Deposit mix
80%Interest-bearing $62.3M20%Noninterest $15.6MQ4 2012Q4 2013

NIM

4.88%Q4 ’114.75%Q4 ’124.59%Q4 ’13+4%+5%

Non-interest income vs. expense

3.30%Q4 ’113.98%Q4 ’124.22%Q4 ’13+9%+20%

Executive Summary

  • Earnings: ROA of -0.14%, down 38 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.37%.
  • Funding: loans stand at 91.57% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.14%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+18 bps YoY

Efficiency Ratio (YTD, annualized)

103.58%+1,231 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.24%-0.06%0.16%0.02%-0.14%-38 bps
Return on Equity3.17%-0.72%1.89%0.22%-1.63%-480 bps
Net Interest Margin3.95%3.90%3.98%4.06%4.14%+18 bps
Efficiency Ratio91.28%101.64%95.97%99.44%103.58%+1,231 bps
Non-Interest Burden3.57%3.96%3.82%4.04%4.28%+71 bps
Growth
Asset Growth (YoY)-15.05%-8.10%-9.35%-8.08%-14.81%+24 bps
Loan Growth (YoY)-12.30%-7.26%-10.31%-10.10%-11.81%+49 bps
Deposit Growth (YoY)-16.41%-9.20%-10.47%-9.01%-16.00%+41 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.61%1.14%0.69%0.65%1.37%+75 bps
Allowance / Loans3.53%3.20%3.45%3.35%2.64%-89 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.35%12.40%13.23%13.20%13.36%+100 bps
Equity / Assets8.23%8.19%8.70%8.81%9.52%+129 bps
Liquidity & Funding
Loans / Deposits87.23%87.80%85.38%86.38%91.57%+434 bps
Liquid Assets / Assets12.49%13.15%14.68%13.11%7.60%-489 bps
CRE / Total Capitaln/an/an/an/an/an/an/a