Kokomo, IN · Charter 66816
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Kokomo, IN · Charter 66816
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | 0.01% | -0.36% | -0.40% | 0.04% | 0.05% | 1.16% | -7.04% | -663 bps | |
| Return on Equity | -1.77% | 0.09% | -3.68% | -4.01% | 0.31% | 0.39% | 9.41% | -65.10% | -6,109 bps | |
| Net Interest Margin | 3.59% | 3.56% | 3.03% | 3.56% | 4.24% | 4.19% | 3.31% | 3.48% | -8 bps | |
| Efficiency Ratio | 86.22% | 83.73% | 101.35% | 87.24% | 87.56% | 84.76% | 63.57% | 74.28% | -1,296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.10% | 4.71% | -2.29% | -2.81% | -16.80% | -18.38% | -18.41% | -28.15% | -2,534 bps | |
| Loan Growth (YoY) | -18.95% | -18.53% | -10.76% | -5.30% | -7.37% | -10.49% | -15.68% | -22.59% | -1,729 bps | |
| Share Growth (YoY) | -1.20% | 5.24% | -2.39% | -3.17% | -18.73% | -20.43% | -20.77% | -27.67% | -2,450 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.88% | 3.04% | 5.13% | 5.65% | 6.84% | 5.63% | 2.74% | -239 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 | 2.79% | 2.54% | 2.78% | 3.45% | 3.47% | 4.16% | 4.69% | 9.03% | +558 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.84% | 9.96% | 9.68% | 10.05% | 12.02% | 12.25% | 12.31% | 10.81% | +76 bps | |
| Net Worth / Assets | 9.84% | 9.96% | 9.68% | 10.05% | 12.02% | 12.25% | 12.31% | 10.81% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.54% | 55.57% | 52.81% | 55.39% | 64.45% | 62.52% | 56.20% | 59.27% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |