Indianapolis, IN · Cert 57932
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.69% | -4.27% | -4.66% | -4.71% | -3.78% | -3.57% | -3.69% | -5.57% | -86 bps | |
| Return on Equity | -22.51% | -21.34% | -23.94% | -25.58% | -25.86% | -24.47% | -26.76% | -43.35% | -1,777 bps | |
| Net Interest Margin | 3.40% | 3.24% | 3.32% | 3.08% | 2.68% | 2.65% | 2.41% | 2.11% | -97 bps | |
| Efficiency Ratio | 205% | 182.82% | 199.61% | 208% | 229% | 224% | 239% | 255% | +4,753 bps | |
| Non-Interest Burden | 7.01% | 6.22% | 6.91% | 6.63% | 6.25% | 6.08% | 5.88% | 5.54% | -109 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% | 0.50% | 0.12% | 0.19% | -0.05% | -0.02% | 0.16% | 0.10% | -8 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 |