New Albany, IN · Charter 62398
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Albany, IN · Charter 62398
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 | -0.19% | -1.11% | -1.40% | 0.64% | -0.28% | 0.23% | -0.18% | -0.17% | -81 bps | |
| Return on Equity | -2.13% | -12.56% | -16.81% | 7.39% | -3.33% | 2.81% | -2.09% | -1.87% | -926 bps | |
| Net Interest Margin | 3.00% | 3.12% | 3.03% | 3.53% | 3.54% | 3.03% | 2.87% | 2.92% | -61 bps | |
| Efficiency Ratio | 89.60% | 107.73% | 113.35% | 84.17% | 88.81% | 72.37% | 88.49% | 93.30% | +913 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.47% | -14.44% | -13.79% | -11.04% | -7.76% | -4.43% | -7.52% | -11.19% | -15 bps | |
| Loan Growth (YoY) | -19.60% | -18.64% | -16.10% | -11.31% | -16.19% | -29.30% | -34.02% | -35.93% | -2,462 bps | |
| Share Growth (YoY) | -11.18% | -14.86% | -13.70% | -11.75% | -7.05% | -3.62% | -7.86% | -11.36% | +39 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.47% | 1.82% | 5.28% | 6.80% | 7.82% | 10.18% | 7.70% | 12.64% | +583 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 | 1.71% | 2.10% | 2.53% | 2.76% | 3.19% | 4.47% | 2.88% | 3.11% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.99% | 8.87% | 8.31% | 8.67% | 8.34% | 8.33% | 8.46% | 8.87% | +21 bps | |
| Net Worth / Assets | 8.99% | 8.87% | 8.31% | 8.67% | 8.34% | 8.33% | 8.46% | 8.87% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.19% | 57.85% | 56.22% | 54.41% | 49.76% | 42.44% | 40.26% | 39.33% | -1,508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |