Indianapolis, IN · Cert 9092
FDIC · 20 branches
Q4 2018
Market Position · Indianapolis-Carmel-Anderson, IN · 2018 SOD (annual) · 0.3% share · #25 of 49 inst. · $0.2B of $50.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.20% | 0.95% | -0.44% | 0.65% | 1.00% | 1.30% | 1.15% | +159 bps | |
| Return on Equity | 10.38% | 10.75% | 8.43% | -4.04% | 6.30% | 9.93% | 13.00% | 11.41% | +1,545 bps | |
| Net Interest Margin | 3.26% | 3.41% | 3.44% | 3.45% | 3.38% | 3.49% | 3.54% | 3.58% | +13 bps | |
| Efficiency Ratio | 73.40% | 74.01% | 73.13% | 79.74% | 77.77% | 74.85% | 70.85% | 71.38% | -836 bps | |
| Non-Interest Burden | 2.15% | 2.20% | 2.23% | 2.56% | 2.46% | 2.39% | 2.27% | 2.25% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.43% | 6.65% | 1.41% | 0.30% | 8.46% | 4.38% | 8.48% | 6.44% | +614 bps | |
| Loan Growth (YoY) | 12.87% | 10.29% | 2.31% | 4.00% | 4.45% | -0.31% | -1.06% | -3.05% | -705 bps | |
| Deposit Growth (YoY) | 7.33% | 9.78% | -1.19% | -2.64% | 8.28% | 7.51% | 15.59% | 12.01% | +1,465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 1.59% | 1.28% | 0.92% | 0.92% | 0.82% | 0.82% | 0.60% | -32 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.06% | 1.98% | 1.12% | 0.05% | 0.01% | -0.05% | 0.87% | -25 bps | |
| Allowance / Loans | 1.55% | 1.46% | 1.06% | 1.22% | 1.34% | 1.36% | 1.38% | 1.24% | +2 bps | |
| Allowance Coverage of NPLs | 3.3x | 0.9x | 0.8x | 1.3x | 1.4x | 1.7x | 1.7x | 2.1x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 11.19% | 11.17% | 10.88% | 10.57% | 10.59% | 10.43% | 10.59% | -29 bps | |
| Total Risk-Based Capital | 15.39% | 14.99% | 14.93% | 14.55% | 14.89% | 14.92% | 15.29% | 15.39% | +84 bps | |
| Equity / Assets | 11.10% | 11.31% | 11.35% | 10.66% | 9.94% | 10.11% | 9.86% | 10.22% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.30% | 89.99% | 93.83% | 92.09% | 84.21% | 83.44% | 80.32% | 79.70% | -1,238 bps | |
| Liquid Assets / Assets | 0.99% | 0.92% | 0.66% | 2.23% | 5.59% | 2.45% | 3.43% | 5.18% | +294 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |