Greensburg, PA · Charter 10408
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.57% | 0.37% | 0.00% | 0.47% | 0.49% | 0.40% | 0.18% | +18 bps | |
| Return on Equity | 2.92% | 2.60% | 1.72% | -0.02% | 2.23% | 2.32% | 2.26% | 0.95% | +97 bps | |
| Net Interest Margin | 3.35% | 3.80% | 3.83% | 3.38% | 3.61% | 3.55% | 3.56% | 4.23% | +85 bps | |
| Efficiency Ratio | 83.49% | 83.25% | 84.03% | 100.11% | 87.12% | 86.21% | 88.65% | 95.72% | -438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.82% | -13.50% | -13.13% | -5.14% | -9.00% | 5.14% | -0.51% | -9.33% | -420 bps | |
| Loan Growth (YoY) | -8.39% | 11.91% | 6.74% | 13.76% | -3.78% | -7.99% | -6.02% | -0.55% | -1,431 bps | |
| Share Growth (YoY) | -1.54% | -16.14% | -16.41% | -7.68% | -13.51% | 4.96% | 3.72% | -6.13% | +155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.90% | 2.36% | 9.51% | 9.86% | 8.92% | 8.57% | 8.45% | -106 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 | 1.29% | 1.21% | 1.63% | 1.72% | 1.83% | 1.68% | 8.72% | 8.67% | +695 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.92% | 22.04% | 21.39% | 20.65% | 20.85% | 21.14% | 17.91% | 19.02% | -163 bps | |
| Net Worth / Assets | 18.92% | 22.04% | 21.39% | 20.65% | 20.85% | 21.14% | 17.91% | 19.02% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.96% | 78.22% | 71.33% | 65.60% | 63.37% | 68.57% | 64.64% | 69.50% | +390 bps | |
| Liquid Assets / Assets | 53.40% | 38.76% | 44.07% | 47.28% | 49.24% | 45.81% | 51.01% | 47.76% | +48 bps | |