Fort Wayne, IN · Charter 8464
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 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.
Fort Wayne, IN · Charter 8464
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.67% | -2.41% | -1.88% | -2.32% | -4.53% | -7.94% | -9.70% | -7.32% | -500 bps | |
| Return on Equity | -28.36% | -20.01% | -16.22% | -20.62% | -44.66% | -106.49% | -184.26% | -168.97% | -14,836 bps | |
| Net Interest Margin | 4.28% | 3.83% | 3.60% | 3.57% | 3.06% | 2.96% | 3.19% | 2.96% | -62 bps | |
| Efficiency Ratio | 126.59% | 123.96% | 124.08% | 130.20% | 225% | 150.78% | 160.34% | 166.64% | +3,644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | 1.09% | 10.28% | 2.59% | 2.01% | -3.93% | -13.99% | -3.48% | -607 bps | |
| Loan Growth (YoY) | 0.97% | -1.45% | -8.33% | -11.68% | -13.62% | -17.22% | -18.79% | -19.14% | -746 bps | |
| Share Growth (YoY) | -7.15% | 3.56% | 14.05% | 5.94% | 5.45% | 0.99% | -8.03% | 4.10% | -184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.82% | 7.00% | 9.78% | 11.33% | 10.06% | 7.51% | 6.62% | 7.73% | -360 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 | 3.38% | 3.41% | 3.08% | 3.04% | 3.20% | 3.36% | 4.24% | 4.47% | +143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.94% | 12.03% | 11.60% | 11.25% | 10.13% | 7.45% | 5.27% | 4.33% | -692 bps | |
| Net Worth / Assets | 12.94% | 12.03% | 11.60% | 11.25% | 10.13% | 7.45% | 5.27% | 4.33% | -692 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.58% | 57.27% | 53.73% | 54.17% | 51.26% | 46.95% | 47.45% | 42.08% | -1,209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |