Anderson, IN · Cert 8047
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Anderson, IN · Cert 8047
FDIC
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.63% | 1.54% | 1.33% | 1.39% | 1.22% | 1.33% | -2.00% | -333 bps | |
| Return on Equity | 18.62% | 18.52% | 16.75% | 14.55% | 15.36% | 13.62% | 15.84% | -17.44% | -3,199 bps | |
| Net Interest Margin | 4.15% | 4.25% | 4.39% | 4.14% | 4.11% | 4.02% | 3.94% | 3.56% | -58 bps | |
| Efficiency Ratio | 42.49% | 42.85% | 46.68% | 48.56% | 48.24% | 49.62% | 51.87% | 58.41% | +985 bps | |
| Non-Interest Burden | 1.35% | 1.42% | 1.69% | 1.65% | 1.60% | 1.66% | 1.67% | 1.92% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | -2.72% | -4.57% | -3.06% | 0.19% | 4.22% | 11.43% | 269% | +27,175 bps | |
| Loan Growth (YoY) | 1.23% | -3.45% | -5.79% | -4.40% | -1.34% | 0.29% | 2.28% | 215% | +21,952 bps | |
| Deposit Growth (YoY) | -0.08% | -3.47% | -1.12% | -4.96% | -9.36% | 7.30% | 15.26% | 223% | +22,747 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.20% | 0.18% | 0.38% | 0.29% | 0.47% | 0.25% | 1.80% | +142 bps | |
| Allowance / Loans | 0.89% | 0.98% | 1.01% | 1.00% | 1.05% | 1.03% | 1.08% | 2.85% | +185 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.74% | 11.72% | 12.10% | 11.54% | 11.53% | 11.42% | 12.00% | 14.38% | +285 bps | |
| Equity / Assets | 8.89% | 8.97% | 9.40% | 9.13% | 8.74% | 8.43% | 8.41% | 13.23% | +410 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.27% | 114.31% | 115.03% | 114.20% | 123.30% | 106.83% | 102.08% | 111.59% | -261 bps | |
| Liquid Assets / Assets | 0.29% | 0.30% | 0.26% | 0.17% | 0.17% | 3.90% | 3.46% | 1.49% | +132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |