Geneva, IN · Cert 5775
FDIC · 6 branches
Q4 2018
Market Position · Fort Wayne, IN · 2018 SOD (annual) · 0.3% share · #22 of 25 inst. · $0.0B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 2.30% | 2.32% | 2.43% | 0.11% | -166 bps | |
| Return on Equity | 16.35% | 21.60% | 21.59% | 22.70% | 1.01% | -1,534 bps | |
| Net Interest Margin | 4.45% | 4.52% | 4.58% | 4.68% | 4.54% | +9 bps | |
| Efficiency Ratio | 53.51% | 47.91% | 48.28% | 49.66% | 97.88% | +4,437 bps | |
| Non-Interest Burden | 2.25% | 2.05% | 2.10% | 2.20% | 4.43% | +219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.54% | 9.53% | 11.13% | 8.34% | 3.91% | -1,063 bps | |
| Loan Growth (YoY) | 9.94% | 8.57% | 11.58% | 4.76% | 7.05% | -288 bps | |
| Deposit Growth (YoY) | 21.90% | 15.20% | 12.36% | 12.16% | -4.32% | -2,622 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.19% | 0.30% | 0.10% | 0.11% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.73% | 0.00% | -2 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.25% | 1.11% | 1.08% | -16 bps | |
| Allowance Coverage of NPLs | 6.7x | 6.8x | 4.2x | 10.6x | 10.1x | +3.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.88% | 11.01% | 11.15% | 11.09% | 10.88% | +1 bps | |
| Total Risk-Based Capital | 14.86% | 14.99% | 14.92% | 15.09% | 14.74% | -12 bps | |
| Equity / Assets | 10.55% | 10.75% | 10.75% | 10.66% | 10.70% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.51% | 117.41% | 121.28% | 115.74% | 124.76% | +1,326 bps | |
| Liquid Assets / Assets | 1.41% | 0.92% | 0.88% | 0.93% | 0.71% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |