Indianapolis, IN · Charter 95095
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Indianapolis, IN · Charter 95095
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | 0.30% | 0.43% | 0.28% | 0.06% | -1.98% | -3.55% | -3.21% | -348 bps | |
| Return on Equity | -1.84% | 2.27% | 3.05% | 1.92% | 0.45% | -14.82% | -27.05% | -26.70% | -2,862 bps | |
| Net Interest Margin | 4.42% | 4.43% | 4.55% | 4.48% | 4.39% | 3.18% | 3.38% | 3.29% | -119 bps | |
| Efficiency Ratio | 98.25% | 95.32% | 93.66% | 93.67% | 95.24% | 105.33% | 110.35% | 109.84% | +1,617 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.59% | -5.63% | -5.87% | -3.54% | -8.32% | -4.99% | -5.91% | -0.61% | +293 bps | |
| Loan Growth (YoY) | 30.95% | 26.70% | 17.06% | -13.51% | -26.54% | -20.42% | -17.49% | -16.83% | -331 bps | |
| Share Growth (YoY) | 0.30% | -6.22% | -7.05% | -4.18% | -5.39% | -5.20% | -4.71% | 2.32% | +651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 5.86% | 4.62% | 4.79% | 1.27% | 4.07% | 3.75% | 2.32% | -247 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 | 0.58% | 0.67% | 0.73% | 1.04% | 0.84% | 1.94% | 4.31% | 2.80% | +177 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.18% | 13.18% | 14.16% | 14.47% | 14.44% | 13.36% | 13.11% | 12.01% | -246 bps | |
| Net Worth / Assets | 13.18% | 13.18% | 14.16% | 14.47% | 14.44% | 13.36% | 13.11% | 12.01% | -246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.47% | 61.83% | 63.14% | 61.43% | 57.05% | 51.90% | 54.67% | 49.94% | -1,150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |