Evansville, IN · Cert 57122
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 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.
Evansville, IN · Cert 57122
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.31% | 0.39% | 0.50% | 0.63% | 0.25% | 0.44% | 0.20% | -30 bps | |
| Return on Equity | 5.09% | 3.14% | 3.87% | 4.96% | 6.23% | 2.44% | 4.37% | 2.09% | -287 bps | |
| Net Interest Margin | 2.86% | 3.01% | 3.06% | 3.09% | 3.27% | 3.19% | 2.98% | 2.83% | -26 bps | |
| Efficiency Ratio | 65.12% | 69.51% | 67.87% | 65.88% | 62.84% | 67.26% | 65.93% | 72.66% | +678 bps | |
| Non-Interest Burden | 1.73% | 1.97% | 1.95% | 1.91% | 1.98% | 2.07% | 1.86% | 2.01% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.49% | 1.43% | 3.29% | 2.31% | 4.63% | 5.35% | 8.00% | 12.75% | +1,044 bps | |
| Loan Growth (YoY) | 0.24% | -2.15% | -1.76% | -1.64% | -1.39% | -3.68% | -5.68% | -12.15% | -1,052 bps | |
| Deposit Growth (YoY) | -3.51% | 0.79% | 3.41% | 2.25% | 4.78% | 5.96% | 8.68% | 16.22% | +1,398 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 | 0.22% | 0.45% | 0.25% | 0.41% | 0.25% | 1.50% | 1.10% | 0.99% | +58 bps | |
| Allowance / Loans | 1.71% | 1.76% | 1.88% | 1.74% | 1.78% | 1.53% | 1.48% | 1.80% | +6 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 | 12.77% | 12.89% | 13.07% | 13.15% | 13.30% | 13.35% | 13.59% | 12.30% | -85 bps | |
| Equity / Assets | 10.03% | 9.99% | 9.96% | 10.13% | 10.08% | 9.94% | 9.72% | 7.86% | -227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.69% | 100.52% | 98.90% | 99.57% | 95.70% | 91.38% | 85.83% | 75.26% | -2,431 bps | |
| Liquid Assets / Assets | 0.06% | 0.72% | 4.99% | 3.92% | 4.98% | 5.39% | 6.20% | 10.76% | +684 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |