Indianapolis, IN · Charter 61606
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | -2.14% | -3.02% | -1.25% | -1.57% | -0.50% | -0.49% | -0.51% | +74 bps | |
| Return on Equity | -11.04% | -16.89% | -27.10% | -11.39% | -15.41% | -5.50% | -5.30% | -5.83% | +556 bps | |
| Net Interest Margin | 3.46% | 3.65% | 3.58% | 3.44% | 3.43% | 2.87% | 2.96% | 2.79% | -64 bps | |
| Efficiency Ratio | 93.01% | 105.53% | 119.14% | 103.55% | 116.03% | 104.73% | 102.43% | 103.92% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.39% | -3.27% | -2.29% | -2.73% | -4.24% | 4.57% | 1.16% | 5.11% | +784 bps | |
| Loan Growth (YoY) | 4.72% | 4.29% | 7.14% | 4.54% | 6.92% | 3.38% | 6.47% | 7.06% | +253 bps | |
| Share Growth (YoY) | -5.34% | -1.97% | 0.77% | -0.35% | -0.65% | 9.30% | 3.73% | 8.05% | +840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.48% | 0.28% | 0.69% | 0.69% | 2.94% | 2.90% | 1.11% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.14% | 1.80% | 1.47% | 1.59% | 1.76% | 1.64% | 1.40% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.11% | 12.66% | 11.16% | 10.94% | 10.19% | 9.03% | 9.17% | 8.75% | -219 bps | |
| Net Worth / Assets | 13.11% | 12.66% | 11.16% | 10.94% | 10.19% | 9.03% | 9.17% | 8.75% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.79% | 83.26% | 80.51% | 80.88% | 84.80% | 78.74% | 82.64% | 80.14% | -74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |