Lawrenceburg, IN · Cert 9645
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Lawrenceburg, IN · Cert 9645
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.24%1 | 0.39%1 | 0.94% | 0.74% | 0.44% | 0.39% | -6.36% | -729 bps | |
| Return on Equity | 8.24% | 3.12% | 5.02% | 11.81% | 9.61% | 5.53% | 4.86% | -77.31% | -8,912 bps | |
| Net Interest Margin | 4.34% | 3.91% | 4.27% | 4.52% | 4.41% | 4.43% | 4.37% | 3.52% | -99 bps | |
| Efficiency Ratio | 81.65% | 91.26% | 87.83% | 71.35% | 75.49% | 76.08% | 79.93% | 195.20% | +12,385 bps | |
| Non-Interest Burden | 3.36% | 3.48% | 3.62% | 2.84% | 3.07% | 3.13% | 3.30% | 7.63% | +479 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.99% | 0.80% | -4.21% | 3.97% | 4.62% | 9.10% | 10.09% | -1.25% | -523 bps | |
| Loan Growth (YoY) | 36.66% | 26.75% | 18.01% | 14.71% | 2.02% | -0.30% | -5.64% | -14.76% | -2,946 bps | |
| Deposit Growth (YoY) | 17.41% | 5.26% | -0.26% | 5.40% | 6.72% | 1.37% | 7.36% | -1.50% | -690 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 | 0.35% | 0.24% | 0.22% | 0.17% | 0.23% | 0.86% | 0.74% | 2.28% | +211 bps | |
| Allowance / Loans | 0.92% | 1.70% | 1.65% | 1.64% | 1.66% | 1.67% | 1.63% | 2.97% | +133 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 | 12.15% | 12.63% | 12.02% | 12.15% | 12.43% | 13.86% | 14.12% | 14.60% | +246 bps | |
| Equity / Assets | 7.42% | 7.98% | 8.27% | 7.64% | 7.34% | 8.34% | 8.47% | 7.97% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.89% | 90.60% | 96.67% | 87.21% | 82.11% | 89.11% | 84.97% | 75.48% | -1,174 bps | |
| Liquid Assets / Assets | 18.84% | 2.68% | 0.00% | 6.78% | 6.37% | 0.18% | 3.89% | 11.04% | +426 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |