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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.45% | 2.33% | 2.24% | 2.11% | 2.30% | 2.30% | 2.35% | 1.78% | -33 bps | |
| Return on Equity | 21.51% | 20.59% | 19.88% | 19.02% | 21.60% | 21.57% | 21.99% | 16.67% | -235 bps | |
| Net Interest Margin | 4.49% | 4.43% | 4.36% | 4.24% | 4.52% | 4.50% | 4.51% | 4.49% | +25 bps | |
| Efficiency Ratio | 48.13% | 48.86% | 50.36% | 51.17% | 47.91% | 48.10% | 48.64% | 61.70% | +1,053 bps | |
| Non-Interest Burden | 1.88% | 1.93% | 1.99% | 1.99% | 2.05% | 2.05% | 2.08% | 2.66% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.21% | 11.51% | 15.90% | 14.54% | 9.53% | 11.13% | 8.34% | 3.91% | -1,063 bps | |
| Loan Growth (YoY) | 11.28% | 10.09% | 15.37% | 9.94% | 8.57% | 11.58% | 4.76% | 7.05% | -288 bps | |
| Deposit Growth (YoY) | 11.49% | 12.96% | 14.83% | 21.90% | 15.20% | 12.36% | 12.16% | -4.32% | -2,622 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.21% | 0.21% | 0.18% | 0.19% | 0.30% | 0.10% | 0.11% | -8 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.25% | 0.18% | +18 bps | |
| Allowance / Loans | 1.18% | 1.21% | 1.21% | 1.24% | 1.26% | 1.25% | 1.11% | 1.08% | -16 bps | |
| Allowance Coverage of NPLs | 6.0x | 5.8x | 5.9x | 6.7x | 6.8x | 4.2x | 10.6x | 10.1x | +3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.58% | 11.45% | 10.88% | 11.01% | 11.15% | 11.09% | 10.88% | +1 bps | |
| Total Risk-Based Capital | 15.58% | 15.78% | 15.57% | 14.86% | 14.99% | 14.92% | 15.09% | 14.74% | -12 bps | |
| Equity / Assets | 11.13% | 11.26% | 11.07% | 10.55% | 10.75% | 10.75% | 10.66% | 10.70% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.59% | 122.12% | 123.91% | 111.51% | 117.41% | 121.28% | 115.74% | 124.76% | +1,326 bps | |
| Liquid Assets / Assets | 1.89% | 1.31% | 0.83% | 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 | n/a | n/a | n/a |