| Per Share Performance |
|
|
|
|
| Net income |
$6.89 |
|
$5.02 |
|
| Dividends |
1.90 |
|
1.55 |
|
| Book value |
82.15 |
|
76.47 |
|
 |
|
|
|
|
| Balance Sheet (000's) |
|
|
|
|
| Total assets |
$389,972 |
|
$375,395 |
|
| Total loans held for sale |
1,795 |
|
3,225 |
|
| Total loans |
275,423 |
|
280,239 |
|
| Total deposits |
304,164 |
|
288,858 |
|
| Total equity |
38,164 |
|
36,544 |
|
|
|
|
|
|
| Profitability |
|
|
|
|
| Net interest margin (FTE) |
3.73 |
% |
3.60 |
% |
| Return on average assets |
0.85 |
|
0.64 |
|
| Return on average equity |
8.64 |
|
6.63 |
|
| Net interest income (000's) |
$13,038 |
|
$12,325 |
|
| Net income (000's) |
3,251 |
|
2,425 |
|
|
|
|
|
|
| Asset Quality |
|
|
|
|
| Net charge-offs/average loans |
0.53 |
% |
0.41 |
% |
| Provision/average loans |
0.47 |
|
0.80 |
|
| Allowance/non-performing loans at period end |
53.45 |
|
49.39 |
|
| Non-performing assets/assets at period end |
3.24 |
|
3.72 |
|
|
|
|
|
|
| Capital Strength - Bank |
|
|
|
|
| Tangible equity/assets at period end |
10.03 |
% |
10.09 |
% |
| Total risk-based capital ratio at period end |
14.89 |
|
14.97 |
|
|
|
|
|
|
PO Box 1001, Seymour, IN 47274
(812) 522-3607