Indianapolis, IN · Charter 6435
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 6435
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -0.84% | -0.73% | -0.89% | -0.36% | -0.19% | -0.13% | -6.15% | -526 bps | |
| Return on Equity | -6.34% | -8.81% | -7.47% | -9.33% | -3.64% | -1.90% | -1.28% | -73.35% | -6,402 bps | |
| Net Interest Margin | 2.92% | 2.94% | 3.14% | 2.97% | 2.96% | 2.94% | 2.95% | 2.71% | -26 bps | |
| Efficiency Ratio | 97.37% | 102.90% | 97.92% | 89.79% | 86.85% | 85.18% | 87.40% | 241% | +15,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.73% | -6.68% | -5.48% | -6.93% | -7.06% | -5.90% | -3.58% | -2.82% | +410 bps | |
| Loan Growth (YoY) | -9.40% | -9.04% | -10.79% | -9.03% | -9.45% | -6.78% | -4.46% | -5.32% | +370 bps | |
| Share Growth (YoY) | -5.98% | -3.61% | -5.54% | -4.50% | -4.91% | -5.91% | -3.59% | -2.11% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.08% | 0.51% | 0.92% | 0.91% | 0.81% | 1.12% | 0.36% | -56 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 | 1.47% | 1.54% | 1.43% | 1.66% | 1.74% | 1.68% | 1.58% | 1.52% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.69% | 9.51% | 9.79% | 9.55% | 9.83% | 9.88% | 10.02% | 8.39% | -116 bps | |
| Net Worth / Assets | 9.69% | 9.51% | 9.79% | 9.55% | 9.83% | 9.88% | 10.02% | 8.39% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.36% | 70.07% | 71.99% | 68.69% | 68.90% | 69.42% | 71.34% | 66.44% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |