New Haven, IN · Charter 8575
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 2.61% | 1.21% | 0.58% | 0.23% | -0.42% | -0.45% | -0.93% | -151 bps | |
| Return on Equity | -0.20% | 32.13% | 14.76% | 7.04% | 2.67% | -5.34% | -5.62% | -11.78% | -1,882 bps | |
| Net Interest Margin | 2.88% | 2.60% | 2.57% | 2.62% | 2.77% | 2.41% | 2.46% | 2.19% | -43 bps | |
| Efficiency Ratio | 109.63% | 98.80% | 102.63% | 108.61% | 112.41% | 112.50% | 113.07% | 129.92% | +2,131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.88% | -0.57% | 1.98% | -0.96% | -5.07% | -3.73% | -4.87% | -3.56% | -260 bps | |
| Loan Growth (YoY) | -0.89% | 5.25% | 11.81% | -3.60% | -1.94% | 6.67% | 10.46% | 18.49% | +2,208 bps | |
| Share Growth (YoY) | -0.14% | 0.08% | 0.88% | -0.62% | -5.98% | -4.39% | -3.38% | -3.25% | -263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.61% | 3.79% | 4.37% | 9.57% | 5.08% | 2.45% | 6.36% | 3.06% | -651 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 | 3.10% | 1.08% | 1.05% | 1.11% | 1.12% | 1.11% | 0.93% | 0.52% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 8.14% | 8.19% | 8.24% | 8.46% | 7.88% | 7.96% | 7.90% | -34 bps | |
| Net Worth / Assets | 7.81% | 8.14% | 8.19% | 8.24% | 8.46% | 7.88% | 7.96% | 7.90% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.90% | 31.63% | 34.29% | 33.36% | 36.39% | 35.29% | 39.20% | 40.85% | +749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |