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MutualFirst
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Take a glance at MutualFirst Financial, Inc's financial highlights. This information is updated quarterly.
Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,063,776 2,049,313 0.71 2,073,550 (1.89)
Total Net Loans 1,490,322 1,486,649 0.25 1,503,254 (3.44)
Total Deposits 1,553,478 1,519,225 2.25 1,573,088 (4.99)
Equity Attributable to Parent Company 226,812 202,363 12.08 221,978 8.71
Total Equity 226,812 202,363 12.08 221,978 8.71
Profitability (%)
Net Income($000) 6,628 5,290 25.29 6,134 32.21
Net Income Attributable to Parent($000) 6,628 5,290 25.29 6,134 32.21
ROAA 1.28 1.04 24 bp 1.18 10 bp
Core ROAA 1.36 1.07 29 bp 1.19 17 bp
ROAE 11.86 10.87 99 bp 11.19 67 bp
ROATCE 13.65 13.02 63 bp 12.96 69 bp
Core ROAE 12.58 11.18 140 bp 11.30 128 bp
Net Interest Margin 3.41 3.55 (14) bp 3.45 (4) bp
Reported: Net Interest Margin 3.41 3.55 (14) bp 3.45 (4) bp
Efficiency Ratio 67.90 66.76 114 bp 63.99 391 bp
Noninterest Inc/ Operating Rev 31.98 23.83 815 bp 26.11 587 bp
Balance Sheet Ratios (%)
Loans/ Deposits 95.93 98.47 (254) bp 95.16 77 bp
Securities/ Assets 19.38 18.76 62 bp 19.18 20 bp
Total Equity/ Total Assets 10.99 9.87 112 bp 10.71 28 bp
Tangible Equity/ Tangible Assets 9.89 8.72 117 bp 9.60 29 bp
Tang Common Equity/ Tang Assets 9.89 8.72 117 bp 9.60 29 bp
Asset Quality (%)
NPAs/ Assets 0.50 0.64 (14) bp 0.44 6 bp
NPA Excl Restructured/ Assets 0.44 0.52 (8) bp 0.37 7 bp
NPAs & 90+ PD/ Assets 0.51 0.67 (16) bp 0.44 7 bp
NPAs/ Loans & REO 0.69 0.88 (19) bp 0.60 9 bp
Nonaccrual & 90+ & OREO/ Assets 0.45 0.54 (9) bp 0.38 7 bp
NPAs & 90+ PD/ Loans & REO 0.70 0.91 (21) bp 0.61 9 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.91 7.21 (230) bp 4.38 53 bp
NCOs/ Avg Loans 0.18 0.09 9 bp 0.12 6 bp
Loan Loss Reserves/ Gross Loans 0.88 0.89 (1) bp 0.88 0 bp
Reserves/ NPAs 127.88 100.82 2,706 bp 148.24 (2,036) bp
Loan Loss Provision/ NCO 84.68 182.93 (9,825) bp 94.65 (997) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,607,953 8,603,462 0.05 8,498,491 5.15
Avg Diluted Shares(actual) 8,636,467 8,732,290 (1.10) 8,629,030 0.34
Basic Book Value per Share 26.35 23.52 12.03 26.12 3.52
Book Value per Share, As Reported 26.35 23.52 12.03 26.12 3.52
Basic Tangible Book Value per Share 23.43 20.51 14.24 23.15 4.84
Tangible Book Value per Share, As Reported 23.43 20.51 14.24 23.15 4.84
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.77 0.61 26.23 0.71 33.80
EPS after Extra Growth(%) 26.20 221.10 (19,482) bp 14.50 1,171 bp
Core EPS 0.82 0.63 30.16 0.72 55.56
Core EPS Growth(%) 30.20 29.20 105 bp 13.20 1,701 bp
Diluted EPS before Amortization 0.79 0.64 23.44 0.73 32.88
Pre-Provision Earnings per Share 0.65 0.61 6.56 0.69 (23.19)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.