Fort Wayne, IN · Charter 62993
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.11% | 0.11% | -0.20% | -0.14% | -0.74% | -0.97% | 0.21% | +41 bps | |
| Return on Equity | 2.01% | 1.44% | 1.38% | -2.52% | -1.76% | -9.78% | -12.90% | 2.99% | +551 bps | |
| Net Interest Margin | 3.13% | 3.14% | 3.12% | 2.76% | 2.79% | 2.82% | 2.90% | 2.50% | -27 bps | |
| Efficiency Ratio | 96.81% | 97.45% | 97.94% | 108.75% | 104.01% | 104.86% | 102.48% | 93.87% | -1,488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | -1.72% | 0.61% | 0.36% | 1.98% | 0.67% | -3.27% | -2.12% | -247 bps | |
| Loan Growth (YoY) | -8.04% | -9.07% | -9.65% | -7.83% | -10.21% | -5.94% | -6.30% | -7.35% | +49 bps | |
| Share Growth (YoY) | -0.11% | -2.13% | 0.58% | 0.25% | 2.03% | 1.13% | -2.70% | -1.35% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 0.84% | 0.93% | 2.00% | 1.78% | 1.66% | 0.79% | 0.18% | -182 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 | 2.01% | 1.88% | 1.83% | 1.16% | 0.98% | 1.96% | 2.05% | 2.08% | +92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.84% | 7.92% | 7.98% | 7.74% | 7.84% | 7.54% | 7.49% | 7.10% | -64 bps | |
| Net Worth / Assets | 7.84% | 7.92% | 7.98% | 7.74% | 7.84% | 7.54% | 7.49% | 7.10% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.26% | 44.21% | 43.61% | 40.11% | 39.83% | 41.12% | 41.99% | 37.68% | -244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |