Hammond, IN · Cert 9282
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.00% | -2.05% | -0.91% | -0.28% | 0.01% | 0.73% | 0.62% | +152 bps | |
| Return on Equity | 4.40% | 0.00% | -13.01% | -5.76% | -1.78% | 0.06% | 4.45% | 3.75% | +951 bps | |
| Net Interest Margin | 3.35% | 0.00% | 3.51% | 3.61% | 3.68% | 3.70% | 3.60% | 3.66% | +5 bps | |
| Efficiency Ratio | 73.28% | n/a | 78.96% | 83.28% | 77.73% | 75.71% | 74.20% | 78.84% | -444 bps | |
| Non-Interest Burden | 2.01% | 0.00% | 2.70% | 3.01% | 2.75% | 2.65% | 2.48% | 2.74% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 4.59% | 0.21% | -0.58% | -0.68% | -3.59% | 1.48% | -1.14% | -56 bps | |
| Loan Growth (YoY) | 4.81% | -4.14% | -1.10% | -3.58% | -2.41% | 11.25% | 7.07% | 8.53% | +1,211 bps | |
| Deposit Growth (YoY) | 6.61% | -5.70% | 2.67% | 0.87% | 0.38% | 1.24% | 1.44% | -1.90% | -277 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 | 1.29% | 0.00% | -0.08% | -0.32% | -0.30% | -0.24% | 0.74% | 0.29% | +61 bps | |
| Allowance / Loans | 0.84% | 1.13% | 1.20% | 1.37% | 1.40% | 1.38% | 1.18% | 1.21% | -17 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 | 12.04% | 11.80% | 11.56% | 11.16% | 11.43% | 11.84% | 11.99% | 11.91% | +75 bps | |
| Equity / Assets | 8.80% | 15.43% | 16.04% | 15.84% | 16.12% | 15.99% | 16.62% | 16.76% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.88% | 83.88% | 84.55% | 82.81% | 85.44% | 92.17% | 89.24% | 91.61% | +880 bps | |
| Liquid Assets / Assets | 4.82% | 5.18% | 3.49% | 4.11% | 3.24% | 0.03% | 0.04% | 0.03% | -407 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |