York, PA · Charter 10403
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.52% | 0.21% | 0.27% | 0.43% | 0.35% | -3.15% | -7.48% | -775 bps | |
| Return on Equity | 1.77% | 2.00% | 0.77% | 1.00% | 1.52% | 1.23% | -11.27% | -27.72% | -2,872 bps | |
| Net Interest Margin | 5.44% | 5.40% | 5.72% | 5.71% | 5.85% | 5.62% | 2.18% | 2.84% | -287 bps | |
| Efficiency Ratio | 92.15% | 91.07% | 96.61% | 95.50% | 93.00% | 94.34% | 218% | 328% | +23,250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.97% | -5.36% | -7.23% | -7.47% | -9.78% | -7.61% | -6.10% | -11.61% | -413 bps | |
| Loan Growth (YoY) | -4.72% | -2.11% | 13.92% | -5.89% | -9.25% | -9.64% | -23.00% | -19.06% | -1,316 bps | |
| Share Growth (YoY) | -5.85% | -7.79% | -10.43% | -10.77% | -13.69% | -10.57% | -7.60% | -11.56% | -79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.37% | 0.26% | 0.20% | 0.19% | 1.51% | 4.14% | 0.28% | +8 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 | 0.84% | 0.90% | 0.85% | 0.92% | 0.99% | 1.06% | 1.15% | 1.16% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.09% | 25.77% | 26.73% | 26.97% | 28.33% | 28.24% | 27.98% | 27.00% | +2 bps | |
| Net Worth / Assets | 25.09% | 25.77% | 26.73% | 26.97% | 28.33% | 28.24% | 27.98% | 27.00% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.14% | 88.50% | 100.45% | 96.05% | 95.83% | 89.43% | 83.71% | 87.91% | -814 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |