Hammond, IN · Charter 6577
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Hammond, IN · Charter 6577
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.51% | 0.14% | 0.23% | 0.29% | 0.31% | 0.44% | -13.18% | -1,341 bps | |
| Return on Equity | 1.17% | -5.95% | 1.61% | 2.65% | 3.21% | 3.37% | 4.74% | -306% | -30,847 bps | |
| Net Interest Margin | 2.24% | 2.44% | 2.55% | 2.62% | 2.72% | 2.81% | 2.49% | 2.76% | +14 bps | |
| Efficiency Ratio | 95.98% | 93.61% | 94.44% | 91.82% | 89.60% | 88.55% | 83.49% | 477% | +38,494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.94% | -2.68% | -3.86% | -2.90% | -2.46% | -2.54% | -3.80% | -19.20% | -1,630 bps | |
| Loan Growth (YoY) | 8.01% | 4.70% | 1.33% | 2.96% | 0.32% | -1.37% | -1.29% | -7.03% | -999 bps | |
| Share Growth (YoY) | -4.28% | -2.30% | -3.52% | -2.57% | -2.20% | -5.44% | -4.54% | -14.86% | -1,229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 0.48% | 0.70% | 0.76% | 0.74% | 0.83% | 1.05% | 1.07% | +31 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 | 0.62% | 1.14% | 1.38% | 1.34% | 1.37% | 1.11% | 1.23% | 1.30% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 8.64% | 8.50% | 8.62% | 8.90% | 9.18% | 9.22% | 4.31% | -431 bps | |
| Net Worth / Assets | 9.12% | 8.64% | 8.50% | 8.62% | 8.90% | 9.18% | 9.22% | 4.31% | -431 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.01% | 40.28% | 37.69% | 39.47% | 40.01% | 42.02% | 38.97% | 43.10% | +363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |