Fort Wayne, IN · Charter 6717
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.06% | 0.17% | 0.30% | -0.31% | 0.12% | -0.29% | 0.00% | -30 bps | |
| Return on Equity | -1.17% | 0.53% | 1.50% | 2.64% | -2.64% | 0.96% | -2.59% | 0.03% | -261 bps | |
| Net Interest Margin | 5.12% | 5.36% | 5.24% | 5.34% | 5.32% | 5.42% | 5.32% | 5.65% | +31 bps | |
| Efficiency Ratio | 90.08% | 91.86% | 92.58% | 91.64% | 102.70% | 97.07% | 96.43% | 93.22% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.48% | -7.20% | -5.48% | 2.43% | -5.88% | -3.59% | -2.36% | -6.04% | -848 bps | |
| Loan Growth (YoY) | 4.77% | 7.23% | 5.16% | -3.64% | -4.85% | -6.92% | -6.54% | -5.17% | -153 bps | |
| Share Growth (YoY) | -9.76% | -8.36% | -6.27% | 2.56% | -6.82% | -4.32% | -2.65% | -6.77% | -932 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.34% | 1.29% | 0.69% | 0.70% | 1.73% | 0.98% | 0.58% | -11 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 | 0.83% | 0.74% | 0.70% | 0.66% | 0.58% | 0.58% | 0.71% | 0.58% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.63% | 11.20% | 11.08% | 11.37% | 11.56% | 11.96% | 11.30% | 12.10% | +74 bps | |
| Net Worth / Assets | 10.63% | 11.20% | 11.08% | 11.37% | 11.56% | 11.96% | 11.30% | 12.10% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.64% | 93.09% | 89.78% | 88.41% | 88.47% | 90.56% | 86.19% | 89.92% | +152 bps | |
| Liquid Assets / Assets | 18.66% | 12.56% | 16.21% | 17.23% | 17.61% | 15.62% | 19.67% | 16.39% | -85 bps | |