Hartford City, IN · Cert 5782
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.13% | 1.07% | 0.95% | 0.64% | 0.58% | 0.54% | 0.45% | -50 bps | |
| Return on Equity | 13.57% | 12.93% | 12.38% | 11.16% | 7.79% | 7.13% | 6.53% | 5.50% | -566 bps | |
| Net Interest Margin | 4.57% | 4.49% | 4.48% | 4.47% | 4.00% | 4.01% | 4.16% | 4.09% | -38 bps | |
| Efficiency Ratio | 60.75% | 63.66% | 64.45% | 67.10% | 74.23% | 75.96% | 76.83% | 77.30% | +1,020 bps | |
| Non-Interest Burden | 2.39% | 2.52% | 2.59% | 2.73% | 2.74% | 2.85% | 3.00% | 2.97% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | 5.47% | 5.34% | 7.81% | -0.01% | -5.56% | -1.27% | -4.78% | -1,259 bps | |
| Loan Growth (YoY) | 1.08% | 0.84% | 4.62% | 3.13% | -2.20% | -7.82% | -5.93% | -6.48% | -962 bps | |
| Deposit Growth (YoY) | 4.23% | 5.70% | 1.79% | 9.48% | 0.95% | -6.73% | 3.62% | -5.55% | -1,504 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 | 0.22% | 0.22% | 0.21% | 0.29% | 0.31% | 0.28% | 0.31% | 0.30% | 0 bps | |
| Allowance / Loans | 1.46% | 1.37% | 1.38% | 1.37% | 1.40% | 1.41% | 1.37% | 1.59% | +22 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 | 11.63% | 12.07% | 11.88% | 12.03% | 12.27% | 12.06% | 11.54% | 10.99% | -104 bps | |
| Equity / Assets | 8.79% | 8.31% | 8.40% | 8.05% | 8.31% | 8.22% | 8.27% | 8.32% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.04% | 90.43% | 98.86% | 87.52% | 88.19% | 89.38% | 89.75% | 86.66% | -86 bps | |
| Liquid Assets / Assets | 0.14% | 0.13% | 0.12% | 0.11% | 0.11% | 0.10% | 0.09% | 0.09% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |