Indianapolis, IN · Charter 63354
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Indianapolis, IN · Charter 63354
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.10% | -0.29% | -0.19% | -0.09% | 0.37% | 0.57% | -0.08% | +11 bps | |
| Return on Equity | 1.27% | -1.24% | -3.58% | -2.33% | -0.97% | 4.31% | 6.49% | -0.93% | +140 bps | |
| Net Interest Margin | 2.98% | 2.69% | 2.77% | 2.87% | 3.14% | 3.42% | 3.67% | 3.95% | +108 bps | |
| Efficiency Ratio | 97.16% | 102.88% | 108.04% | 104.95% | 102.08% | 91.21% | 87.37% | 101.70% | -325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.05% | 0.52% | 2.40% | -0.28% | -3.72% | -2.24% | -2.75% | -6.63% | -635 bps | |
| Loan Growth (YoY) | -8.81% | -5.09% | -5.35% | 0.31% | -0.23% | 20.75% | 17.05% | 16.43% | +1,612 bps | |
| Share Growth (YoY) | 0.20% | 0.96% | 3.70% | -0.22% | -3.94% | -2.54% | -3.34% | -6.82% | -660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 0.98% | 0.84% | 0.86% | 1.61% | 1.00% | 2.88% | 5.47% | +461 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 | 1.05% | 1.11% | 0.68% | 0.68% | 0.75% | 0.82% | 0.95% | 0.56% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.49% | 8.16% | 8.17% | 8.30% | 8.95% | 8.60% | 8.77% | 8.89% | +59 bps | |
| Net Worth / Assets | 8.49% | 8.16% | 8.17% | 8.30% | 8.95% | 8.60% | 8.77% | 8.89% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.93% | 50.71% | 50.60% | 51.98% | 54.97% | 62.83% | 61.28% | 64.95% | +1,297 bps | |
| Liquid Assets / Assets | 43.85% | 50.10% | 43.38% | 42.72% | 45.27% | 38.16% | 39.48% | 36.41% | -631 bps | |