Evansville, IN · Charter 7726
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.
Evansville, IN · Charter 7726
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 | 0.08% | -0.18% | -1.26% | -0.65% | -0.25% | -0.54% | 0.77% | 0.57% | +122 bps | |
| Return on Equity | 0.86% | -2.04% | -15.22% | -7.77% | -2.89% | -6.34% | 9.24% | 6.71% | +1,447 bps | |
| Net Interest Margin | 3.58% | 3.64% | 3.22% | 3.26% | 3.33% | 3.40% | 3.07% | 3.14% | -12 bps | |
| Efficiency Ratio | 91.85% | 93.50% | 148.91% | 119.73% | 109.96% | 110.83% | 85.96% | 87.24% | -3,248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 3.44% | -0.33% | -1.41% | -4.75% | -3.37% | -0.39% | 0.09% | +150 bps | |
| Loan Growth (YoY) | -8.75% | -11.42% | -11.31% | -7.26% | -3.31% | -1.05% | -0.93% | -0.24% | +702 bps | |
| Share Growth (YoY) | 2.35% | 4.01% | 0.17% | -0.66% | -4.60% | -3.11% | -0.29% | 0.10% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 2.17% | 1.63% | 2.45% | 2.27% | 1.54% | 2.09% | 1.72% | -73 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 | 0.80% | 1.14% | 0.96% | 0.94% | 0.81% | 0.82% | 0.83% | 0.84% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.73% | 8.75% | 8.27% | 8.38% | 8.73% | 8.52% | 8.29% | 8.46% | +8 bps | |
| Net Worth / Assets | 8.73% | 8.75% | 8.27% | 8.38% | 8.73% | 8.52% | 8.29% | 8.46% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.44% | 72.72% | 69.12% | 70.55% | 73.42% | 74.27% | 68.68% | 70.31% | -24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |