Sunman, IN · Cert 9088
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Sunman, IN · Cert 9088
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.88% | 0.52% | 0.57% | 0.77% | 0.69% | 0.56% | 0.38% | -19 bps | |
| Return on Equity | 10.75% | 7.94% | 4.65% | 4.95% | 5.78% | 5.15% | 4.13% | 2.78% | -218 bps | |
| Net Interest Margin | 4.35% | 4.29% | 4.29% | 4.42% | 4.09% | 4.09% | 4.11% | 4.06% | -35 bps | |
| Efficiency Ratio | 57.83% | 59.57% | 63.28% | 52.36% | 75.71% | 79.76% | 82.94% | 86.07% | +3,372 bps | |
| Non-Interest Burden | 2.05% | 2.09% | 2.30% | 1.06% | 2.74% | 3.00% | 3.24% | 3.38% | +232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -5.35% | -4.55% | -17.67% | -19.76% | -18.66% | -15.77% | -4.50% | +1,317 bps | |
| Loan Growth (YoY) | -8.00% | -8.89% | -11.71% | -21.82% | -20.24% | -21.37% | -15.95% | -2.71% | +1,911 bps | |
| Deposit Growth (YoY) | -3.61% | -5.93% | -2.70% | -21.00% | -24.30% | -24.54% | -23.80% | -8.17% | +1,283 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 | 0.54% | 1.08% | 1.84% | 3.79% | 0.53% | 0.49% | 0.35% | 0.36% | -343 bps | |
| Allowance / Loans | 1.52% | 1.56% | 1.51% | 1.96% | 1.89% | 1.84% | 1.79% | 1.93% | -4 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 | 14.33% | 14.41% | 14.84% | 17.19% | 17.45% | 18.03% | 16.60% | 16.56% | -63 bps | |
| Equity / Assets | 10.90% | 11.13% | 11.21% | 13.11% | 13.55% | 13.86% | 13.75% | 13.72% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.29% | 93.03% | 90.73% | 92.22% | 97.24% | 96.93% | 100.07% | 97.70% | +548 bps | |
| Liquid Assets / Assets | 0.78% | 0.69% | 0.56% | 0.61% | 0.43% | 0.44% | 0.36% | 0.28% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |