Clarksville, IN · Cert 57146
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Clarksville, IN · Cert 57146
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.40% | 0.40% | 0.36% | 0.15% | -0.28% | 0.53% | 0.80% | +44 bps | |
| Return on Equity | 3.56% | 3.96% | 4.07% | 3.30% | 1.26% | -2.14% | 4.16% | 6.48% | +319 bps | |
| Net Interest Margin | 3.05% | 3.10% | 3.15% | 2.55% | 2.56% | 3.81% | 2.90% | 2.67% | +13 bps | |
| Efficiency Ratio | 79.90% | 77.74% | 78.23% | 79.72% | 80.16% | 87.49% | 65.78% | 58.00% | -2,172 bps | |
| Non-Interest Burden | 2.18% | 2.10% | 2.14% | 1.77% | 1.78% | 3.17% | 1.50% | 1.05% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.60% | 27.96% | 32.06% | 63.27% | 30.49% | 59.11% | 48.31% | 19.79% | -4,348 bps | |
| Loan Growth (YoY) | 27.75% | 24.73% | 22.22% | 35.02% | 44.26% | 48.31% | 42.94% | 34.79% | -22 bps | |
| Deposit Growth (YoY) | 126.11% | 81.47% | 70.23% | 134.74% | 36.17% | 18.28% | 19.30% | -13.15% | -14,790 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 | 0.07% | 0.04% | 0.06% | 0.08% | 0.41% | 1.49% | 0.76% | 0.50% | +42 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 0.95% | 1.00% | 0.84% | 0.84% | 0.80% | -14 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 | 16.46% | 15.69% | 15.23% | 23.64% | 22.76% | 19.35% | 20.06% | 19.05% | -459 bps | |
| Equity / Assets | 10.22% | 10.05% | 9.22% | 13.43% | 14.81% | 11.77% | 11.74% | 11.69% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.79% | 98.20% | 104.70% | 79.87% | 101.48% | 123.13% | 125.44% | 123.96% | +4,410 bps | |
| Liquid Assets / Assets | 0.05% | 0.11% | 0.05% | 0.03% | 0.04% | 0.04% | 0.04% | 0.04% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |