Franklin, IN · Charter 66701
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Franklin, IN · Charter 66701
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.05% | 0.09% | 0.07% | 0.06% | 0.00% | -0.55% | -0.16% | -23 bps | |
| Return on Equity | 1.64% | 0.22% | 0.35% | 0.25% | 0.19% | 0.00% | -1.68% | -0.47% | -72 bps | |
| Net Interest Margin | 4.47% | 4.84% | 5.23% | 5.92% | 6.16% | 5.94% | 6.12% | 6.12% | +20 bps | |
| Efficiency Ratio | 92.26% | 98.96% | 98.32% | 98.84% | 99.12% | 100.00% | 108.33% | 102.45% | +361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.59% | -16.98% | -15.01% | -19.70% | -21.05% | -21.60% | -19.95% | -13.70% | +600 bps | |
| Loan Growth (YoY) | -21.13% | -21.48% | -16.56% | -10.99% | -7.58% | -11.60% | -10.25% | -13.94% | -295 bps | |
| Share Growth (YoY) | -29.45% | -21.57% | -19.45% | -25.57% | -27.80% | -28.58% | -26.57% | -19.11% | +647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.00% | 0.67% | 0.04% | 2.10% | 2.44% | 1.21% | 0.00% | -4 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 | 7.50% | 7.58% | 7.96% | 7.23% | 7.95% | 8.55% | 7.39% | 6.47% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.58% | 24.61% | 26.39% | 29.33% | 31.19% | 31.43% | 32.70% | 33.87% | +454 bps | |
| Net Worth / Assets | 24.58% | 24.61% | 26.39% | 29.33% | 31.19% | 31.43% | 32.70% | 33.87% | +454 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.27% | 49.24% | 53.28% | 63.43% | 65.63% | 60.95% | 65.13% | 67.48% | +405 bps | |
| Liquid Assets / Assets | 57.05% | 63.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |