Jeannette, PA · Charter 10190
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Jeannette, PA · Charter 10190
Q1 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.27% | 0.35% | 0.00% | 0.02% | -0.19% | -0.25% | -16.86% | -1,686 bps | |
| Return on Equity | 0.86% | 1.07% | 1.35% | -0.01% | 0.08% | -0.74% | -0.91% | -70.89% | -7,088 bps | |
| Net Interest Margin | 4.42% | 4.48% | 4.75% | 4.25% | 4.40% | 4.43% | 4.66% | -3.98% | -823 bps | |
| Efficiency Ratio | 95.27% | 94.15% | 92.62% | 100.07% | 99.55% | 104.35% | 105.40% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.58% | -1.64% | -1.10% | -3.55% | -4.13% | -5.23% | -7.40% | -7.77% | -422 bps | |
| Loan Growth (YoY) | -11.89% | -3.92% | -0.33% | 7.86% | 5.44% | -7.30% | -6.21% | -3.54% | -1,140 bps | |
| Share Growth (YoY) | -6.32% | -2.64% | -1.98% | -5.22% | -5.74% | -6.93% | -9.82% | -5.05% | +17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.33% | 0.28% | 0.26% | 3.12% | 0.46% | 0.23% | 0.23% | -2 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 | 0.75% | 0.71% | 0.70% | 0.71% | 0.71% | 0.71% | 0.69% | 4.39% | +368 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.66% | 24.89% | 26.24% | 26.06% | 25.97% | 26.27% | 28.09% | 23.78% | -228 bps | |
| Net Worth / Assets | 24.66% | 24.89% | 26.24% | 26.06% | 25.97% | 26.27% | 28.09% | 23.78% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.74% | 43.77% | 47.42% | 45.76% | 45.58% | 43.59% | 49.32% | 46.49% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |