Goshen, IN · Cert 57037
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | 0.23% | 0.26% | 0.24% | -0.06% | 0.16% | 0.02% | -0.14% | -38 bps | |
| Return on Equity | -7.49% | 3.22% | 3.51% | 3.17% | -0.72% | 1.89% | 0.22% | -1.63% | -480 bps | |
| Net Interest Margin | 3.55% | 3.70% | 3.87% | 3.95% | 3.90% | 3.98% | 4.06% | 4.14% | +18 bps | |
| Efficiency Ratio | 102.07% | 87.51% | 89.04% | 91.28% | 101.64% | 95.97% | 99.44% | 103.58% | +1,231 bps | |
| Non-Interest Burden | 3.62% | 3.18% | 3.40% | 3.57% | 3.96% | 3.82% | 4.04% | 4.28% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.09% | -16.10% | -16.67% | -15.05% | -8.10% | -9.35% | -8.08% | -14.81% | +24 bps | |
| Loan Growth (YoY) | -18.33% | -17.43% | -13.73% | -12.30% | -7.26% | -10.31% | -10.10% | -11.81% | +49 bps | |
| Deposit Growth (YoY) | -10.54% | -12.89% | -13.63% | -16.41% | -9.20% | -10.47% | -9.01% | -16.00% | +41 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 | 1.66% | 1.13% | 0.79% | 0.61% | 1.14% | 0.69% | 0.65% | 1.37% | +75 bps | |
| Allowance / Loans | 3.52% | 3.61% | 3.63% | 3.53% | 3.20% | 3.45% | 3.35% | 2.64% | -89 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 | 10.83% | 11.64% | 11.98% | 12.35% | 12.40% | 13.23% | 13.20% | 13.36% | +100 bps | |
| Equity / Assets | 7.16% | 7.68% | 8.02% | 8.23% | 8.19% | 8.70% | 8.81% | 9.52% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.96% | 85.22% | 87.42% | 87.23% | 87.80% | 85.38% | 86.38% | 91.57% | +434 bps | |
| Liquid Assets / Assets | 13.19% | 13.40% | 11.96% | 12.49% | 13.15% | 14.68% | 13.11% | 7.60% | -489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |