Brazil, IN · Charter 82754
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.62% | 0.71% | 0.80% | 0.78% | 0.68% | 0.72% | 0.25% | -55 bps | |
| Return on Equity | 4.00% | 4.67% | 4.82% | 5.85% | 5.75% | 4.85% | 4.78% | 1.86% | -399 bps | |
| Net Interest Margin | 1.64% | 1.70% | 2.02% | 1.82% | 1.78% | 1.71% | 1.92% | 1.52% | -30 bps | |
| Efficiency Ratio | 68.38% | 64.01% | 63.59% | 56.48% | 56.81% | 60.83% | 62.72% | 83.47% | +2,698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.29% | 13.84% | 5.38% | 4.54% | 2.70% | -0.63% | 2.05% | 4.43% | -11 bps | |
| Loan Growth (YoY) | 10.39% | 10.31% | 0.33% | -5.11% | -5.20% | -9.39% | -5.21% | 0.29% | +540 bps | |
| Share Growth (YoY) | 13.62% | 15.23% | 5.44% | 4.54% | 2.22% | -1.51% | 1.55% | 4.50% | -4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 1.05% | 1.45% | 0.00% | 0.10% | 0.08% | 0.21% | 0.26% | +26 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 | 0.64% | 0.61% | 0.78% | 0.98% | 0.79% | 0.79% | 0.85% | 1.01% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.09% | 13.19% | 14.67% | 13.64% | 13.51% | 13.97% | 15.09% | 13.58% | -6 bps | |
| Net Worth / Assets | 13.09% | 13.19% | 14.67% | 13.64% | 13.51% | 13.97% | 15.09% | 13.58% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.20% | 47.37% | 47.32% | 34.30% | 41.92% | 43.58% | 44.17% | 32.92% | -138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |