La Porte, IN · Cert 9538
FDIC · 7 branches
Q2 2016
Market Position · Michigan City-La Porte, IN · 2016 SOD (annual) · 19.9% share · #2 of 9 inst. · $0.3B of $1.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.70% | 0.61% | 0.85% | 0.65% | 0.78% | 0.71% | 2.14%1 | +128 bps | |
| Return on Equity | 6.05% | 4.91% | 4.23% | 5.89% | 4.56% | 5.53% | 4.82% | 14.36% | +847 bps | |
| Net Interest Margin | 3.02% | 3.05% | 3.20% | 3.19% | 3.15% | 3.33% | 3.31% | 3.09% | -11 bps | |
| Efficiency Ratio | 68.78% | 79.43% | 76.75% | 69.11% | 73.57% | 70.83% | 74.94% | 73.88% | +477 bps | |
| Non-Interest Burden | 1.93% | 2.34% | 2.33% | 1.99% | 2.14% | 2.15% | 2.32% | 2.12% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.61% | -1.31% | 0.59% | -2.39% | 6.55% | 4.37% | -0.10% | 0.48% | +287 bps | |
| Loan Growth (YoY) | 8.52% | 4.08% | 11.72% | 5.80% | 18.46% | 12.33% | 2.81% | -0.09% | -589 bps | |
| Deposit Growth (YoY) | 3.40% | -1.09% | 3.41% | -1.02% | -1.33% | 14.15% | 1.98% | 2.71% | +373 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 | 0.02% | 0.00% | 0.03% | -0.01% | 0.17% | 0.05% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 1.24% | 1.16% | 1.11% | 1.12% | 1.03% | 1.04% | 1.06% | 1.09% | -3 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 | 13.38% | 13.25% | 13.25% | 13.31% | 13.37% | 13.24% | -1 bps | |
| Total Risk-Based Capital | 19.21% | 19.16% | 18.32% | 18.64% | 17.41% | 17.97% | 18.67% | 19.08% | +44 bps | |
| Equity / Assets | 14.33% | 14.33% | 14.35% | 14.66% | 14.03% | 14.30% | 15.02% | 14.75% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.77% | 89.84% | 93.11% | 93.64% | 104.17% | 88.41% | 93.88% | 91.09% | -255 bps | |
| Liquid Assets / Assets | 1.26% | 1.62% | 1.00% | 1.05% | 1.83% | 1.92% | 1.98% | 0.00% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |