North Wales, PA · Charter 10144
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 2.17% | 1.23% | 1.22% | 0.95% | -0.62% | 0.00% | -0.01% | -123 bps | |
| Return on Equity | 14.38% | 25.98% | 14.83% | 13.99% | 11.13% | -7.03% | 0.00% | -0.11% | -1,410 bps | |
| Net Interest Margin | 2.88% | 3.38% | 2.87% | 2.86% | 2.66% | 3.18% | 3.06% | 3.02% | +16 bps | |
| Efficiency Ratio | 58.60% | 40.15% | 56.65% | 56.00% | 61.87% | 56.91% | 62.68% | 70.96% | +1,495 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 1.89% | 2.81% | 0.90% | 3.57% | -1.22% | -6.14% | -15.86% | -1,676 bps | |
| Loan Growth (YoY) | -10.30% | -9.77% | -3.11% | -4.40% | -4.68% | -8.29% | -10.12% | -7.21% | -281 bps | |
| Share Growth (YoY) | 5.84% | 0.57% | 1.79% | -0.19% | 2.69% | -1.63% | -7.02% | -17.48% | -1,729 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.63% | 19.74% | 15.21% | 17.46% | 16.45% | 16.58% | 82.29% | 17.84% | +39 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 | 1.96% | 2.08% | 2.01% | 2.06% | 2.21% | 0.96% | 1.12% | 1.14% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.88% | 8.36% | 8.29% | 8.71% | 8.56% | 8.75% | 9.20% | 10.42% | +171 bps | |
| Net Worth / Assets | 7.88% | 8.36% | 8.29% | 8.71% | 8.56% | 8.75% | 9.20% | 10.42% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.64% | 38.96% | 39.52% | 38.91% | 36.80% | 36.32% | 38.20% | 43.75% | +484 bps | |
| Liquid Assets / Assets | 31.96% | 33.52% | 26.59% | 23.31% | 19.69% | 15.19% | 8.17% | 14.06% | -925 bps | |