Mentone, IN · Cert 9290
FDIC · 5 branches
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.75% | 0.78% | 0.83% | 1.08% | +37 bps | |
| Return on Equity | 6.58% | 6.95% | 7.23% | 7.74% | 10.39% | +380 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.40% | 3.23% | 3.34% | -11 bps | |
| Efficiency Ratio | 75.51% | 74.35% | 73.43% | 71.28% | 74.19% | -131 bps | |
| Non-Interest Burden | 2.45% | 2.42% | 2.32% | 2.12% | 2.32% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.47% | -2.69% | 3.25% | 8.61% | 9.22% | +1,269 bps | |
| Loan Growth (YoY) | 2.83% | 3.59% | 7.29% | 7.07% | 2.53% | -30 bps | |
| Deposit Growth (YoY) | -0.64% | -2.31% | 5.16% | 10.79% | 11.02% | +1,166 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.06% | 0.07% | 0.00% | -3 bps | |
| Allowance / Loans | 1.98% | 1.91% | 1.85% | 1.80% | 1.87% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.70% | 10.78% | 10.58% | 10.13% | 10.53% | -17 bps | |
| Total Risk-Based Capital | 16.20% | 15.89% | 14.65% | 14.76% | 15.44% | -76 bps | |
| Equity / Assets | 10.90% | 10.96% | 10.69% | 10.30% | 10.53% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.99% | 96.36% | 91.70% | 86.55% | 84.03% | -696 bps | |
| Liquid Assets / Assets | 0.60% | 0.50% | 2.97% | 4.41% | 4.42% | +382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |