Indianapolis, IN · Charter 82771
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Indianapolis, IN · Charter 82771
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.27% | 0.61% | 0.61% | 0.58% | 0.15% | 0.28% | 0.47% | -13 bps | |
| Return on Equity | 0.44% | 1.21% | 2.76% | 2.64% | 2.62% | 0.70% | 1.33% | 2.02% | -62 bps | |
| Net Interest Margin | 4.74% | 4.74% | 4.72% | 4.91% | 4.68% | 4.43% | 4.41% | 4.86% | -5 bps | |
| Efficiency Ratio | 84.15% | 94.90% | 88.39% | 88.96% | 89.01% | 97.00% | 94.42% | 91.61% | +265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | -4.47% | -2.18% | 0.90% | 1.32% | 3.79% | 5.62% | 0.39% | -51 bps | |
| Loan Growth (YoY) | 2.02% | 2.25% | -0.52% | 5.47% | 3.73% | 1.38% | -0.39% | -6.93% | -1,241 bps | |
| Share Growth (YoY) | -0.05% | -6.27% | -4.10% | -4.15% | 2.61% | 3.97% | 9.00% | 3.70% | +785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.26% | 1.65% | 1.53% | 1.36% | 1.63% | 1.54% | 0.48% | -105 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 | 1.22% | 1.25% | 1.24% | 1.28% | 0.92% | 0.94% | 0.86% | 0.61% | -67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.88% | 21.91% | 22.09% | 23.02% | 22.17% | 21.65% | 21.32% | 23.43% | +42 bps | |
| Net Worth / Assets | 21.88% | 21.91% | 22.09% | 23.02% | 22.17% | 21.65% | 21.32% | 23.43% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.12% | 92.20% | 94.70% | 105.33% | 95.15% | 89.91% | 86.54% | 94.53% | -1,080 bps | |
| Liquid Assets / Assets | 10.77% | 9.34% | 9.79% | 6.41% | 13.12% | 19.16% | 0.00% | 0.00% | -641 bps | |