Indianapolis, IN · Cert 57932
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.69% | -3.84% | -5.36% | -5.03% | -3.78% | -3.37% | -4.09% | -10.58% | -555 bps | |
| Return on Equity | -22.51% | -20.10% | -29.60% | -31.18% | -25.86% | -23.22% | -31.51% | -100.30% | -6,912 bps | |
| Net Interest Margin | 3.40% | 3.41% | 3.24% | 2.65% | 2.68% | 2.63% | 2.17% | 1.89% | -76 bps | |
| Efficiency Ratio | 205% | 166.20% | 238% | 240% | 229% | 218% | 273% | 313% | +7,364 bps | |
| Non-Interest Burden | 7.01% | 6.12% | 7.79% | 6.45% | 6.25% | 5.91% | 6.06% | 6.13% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 88.59% | 59.15% | 34.80% | 15.94% | 5.12% | 1.94% | 24.13% | 7.46% | -848 bps | |
| Loan Growth (YoY) | 95.81% | 47.51% | 43.17% | 39.87% | 0.75% | 10.36% | 10.06% | 20.53% | -1,934 bps | |
| Deposit Growth (YoY) | 205% | 114.71% | 61.02% | 26.24% | 5.83% | -7.03% | 31.26% | 9.87% | -1,637 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 | 0.00% | 0.99% | -0.55% | 0.40% | -0.05% | 0.00% | 0.51% | 0.00% | -40 bps | |
| Allowance / Loans | 1.50% | 1.75% | 1.95% | 2.18% | 2.37% | 2.35% | 2.07% | 3.81% | +163 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 | 19.43% | 20.49% | 19.56% | 16.81% | 17.02% | 15.23% | 12.32% | 10.94% | -587 bps | |
| Equity / Assets | 19.76% | 18.46% | 17.72% | 14.71% | 14.50% | 14.54% | 11.65% | 9.40% | -530 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.02% | 85.00% | 98.73% | 84.76% | 90.46% | 100.90% | 82.79% | 92.99% | +822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |