Terre Haute, IN · Charter 6270
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.53% | -0.40% | -1.19% | -3.62% | -1.79% | -0.43% | 0.14% | +133 bps | |
| Return on Equity | -7.52% | -6.29% | -4.38% | -13.42% | -50.61% | -27.52% | -6.48% | 1.88% | +1,530 bps | |
| Net Interest Margin | 2.27% | 2.15% | 2.92% | 3.14% | 3.47% | 3.23% | 3.20% | 3.67% | +53 bps | |
| Efficiency Ratio | 116.86% | 107.49% | 90.54% | 86.63% | 85.16% | 66.35% | 79.67% | 75.42% | -1,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 1.98% | -5.55% | -11.25% | -18.63% | -18.18% | -10.65% | -12.02% | -77 bps | |
| Loan Growth (YoY) | 3.74% | 2.48% | -3.32% | -9.66% | -17.99% | -20.92% | -18.73% | -17.45% | -779 bps | |
| Share Growth (YoY) | 7.60% | 2.89% | -5.59% | -10.94% | -17.22% | -16.48% | -8.37% | -10.68% | +27 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.95% | 8.60% | 7.05% | 9.44% | 10.15% | 9.09% | 10.23% | 6.57% | -287 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 | 1.29% | 1.40% | 1.80% | 2.55% | 5.21% | 6.08% | 6.20% | 6.21% | +366 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.77% | 8.45% | 9.04% | 8.86% | 7.16% | 6.51% | 6.65% | 7.47% | -140 bps | |
| Net Worth / Assets | 8.77% | 8.45% | 9.04% | 8.86% | 7.16% | 6.51% | 6.65% | 7.47% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.45% | 76.55% | 77.87% | 79.20% | 79.70% | 72.49% | 69.06% | 73.19% | -601 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |