Indianapolis, IN · Cert 57713
FDIC · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Indianapolis, IN · Cert 57713
FDIC · 1 branch
Q3 2016
Market Position · Indianapolis-Carmel-Anderson, IN · 2016 SOD (annual) · 0.1% share · #37 of 49 inst. · $0.0B of $45.0B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.17% | 1.15% | 1.24% | 1.16% | 0.33% | 0.47% | 0.40% | -84 bps | |
| Return on Equity | 7.42% | 7.26% | 7.00% | 7.29% | 6.81% | 1.86% | 2.58% | 2.18% | -511 bps | |
| Net Interest Margin | 4.21% | 4.03% | 4.16% | 4.27% | 4.35% | 4.26% | 4.32% | 4.30% | +3 bps | |
| Efficiency Ratio | 79.59% | 80.19% | 80.24% | 78.91% | 79.24% | 87.38% | 82.62% | 85.14% | +624 bps | |
| Non-Interest Burden | 3.23% | 2.98% | 3.11% | 3.13% | 3.23% | 3.63% | 3.45% | 3.56% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.53% | -0.42% | 1.57% | -5.31% | -4.82% | -4.41% | -4.90% | -2.32% | +300 bps | |
| Loan Growth (YoY) | -0.40% | -0.07% | -2.26% | -5.89% | -4.18% | -6.55% | -4.24% | 2.08% | +797 bps | |
| Deposit Growth (YoY) | -2.16% | -0.48% | -2.84% | -11.33% | -8.74% | -6.30% | -3.70% | 5.54% | +1,686 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 | 0.26% | -1.83% | -0.52% | -0.26% | -0.20% | -0.02% | 0.02% | -0.09% | +16 bps | |
| Allowance / Loans | 1.56% | 2.08% | 1.89% | 1.87% | 1.88% | 2.02% | 1.96% | 1.97% | +10 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 | 15.55% | 16.13% | 16.86% | 17.12% | 17.06% | 17.86% | 16.95% | +9 bps | |
| Total Risk-Based Capital | 20.69% | 21.66% | 21.63% | 23.48% | 22.74% | 25.10% | 25.43% | 23.66% | +18 bps | |
| Equity / Assets | 15.40% | 16.95% | 17.10% | 18.62% | 17.24% | 18.76% | 18.96% | 18.67% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.19% | 110.58% | 115.82% | 120.25% | 117.79% | 110.28% | 115.16% | 116.31% | -394 bps | |
| Liquid Assets / Assets | 9.73% | 5.13% | 6.62% | 5.38% | 11.35% | 9.01% | 9.94% | 5.63% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |