Muncie, IN · Cert 57573
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.97% | 4.02% | 3.66% | 5.35% | 6.48% | +350 bps | |
| Return on Equity | 3.02% | 4.06% | 3.73% | 5.52% | 6.74% | +372 bps | |
| Net Interest Margin | 0.21% | 0.22% | 0.20% | 0.20% | 0.20% | -1 bps | |
| Efficiency Ratio | 82.45% | 78.25% | 79.68% | 74.21% | 68.98% | -1,347 bps | |
| Non-Interest Burden | -4.89% | -6.54% | -6.00% | -8.56% | -10.52% | -563 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.31% | -3.54% | 0.12% | -4.07% | -0.36% | +495 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 172.42% | 197.62% | 186.51% | 197.08% | 200% | +2,758 bps | |
| Equity / Assets | 99.12% | 98.84% | 97.36% | 96.51% | 95.67% | -345 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 5.56% | 5.48% | 5.34% | 5.74% | 3.58% | -198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |