Clarksville, IN · Cert 57146
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.40% | 0.40% | 0.31% | -0.39% | -0.28% | 1.23% | 1.29% | +98 bps | |
| Return on Equity | 6.25% | 3.96% | 4.19% | 2.72% | -2.79% | -2.14% | 10.43% | 11.01% | +830 bps | |
| Net Interest Margin | 3.00% | 3.10% | 3.16% | 2.81% | 3.29% | 3.81% | 2.69% | 2.56% | -25 bps | |
| Efficiency Ratio | 69.90% | 77.74% | 78.70% | 82.17% | 81.04% | 87.49% | 42.91% | 42.55% | -3,962 bps | |
| Non-Interest Burden | 1.66% | 2.10% | 2.14% | 2.04% | 2.30% | 3.17% | 0.43% | 0.33% | -171 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% | 0.08% | 0.13% | 1.42% | 1.49% | 0.08% | 0.06% | -7 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 |