Johnstown, PA · Charter 10702
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.66% | -0.63% | -0.88% | -0.29% | -1.14% | -1.28% | -1.45% | -57 bps | |
| Return on Equity | -7.72% | -7.45% | -6.75% | -9.80% | -3.21% | -13.11% | -13.64% | -15.67% | -587 bps | |
| Net Interest Margin | 3.60% | 3.77% | 4.10% | 4.14% | 3.83% | 3.78% | 3.85% | 3.80% | -34 bps | |
| Efficiency Ratio | 108.91% | 106.65% | 105.94% | 105.87% | 106.44% | 114.57% | 117.04% | 123.13% | +1,727 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.94% | -6.39% | -10.94% | -10.06% | -9.58% | -11.31% | -13.47% | -17.21% | -715 bps | |
| Loan Growth (YoY) | 2.37% | 3.92% | -3.38% | -10.13% | -14.90% | -21.36% | -21.96% | -25.77% | -1,564 bps | |
| Share Growth (YoY) | -7.44% | -6.65% | -7.07% | -6.92% | -9.66% | -11.26% | -13.54% | -17.56% | -1,064 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 2.86% | 4.53% | 4.22% | 1.81% | 0.77% | 1.08% | 1.91% | -230 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 | 0.78% | 1.08% | 1.28% | 2.55% | 1.54% | 1.19% | 1.69% | 1.65% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.79% | 8.79% | 9.34% | 8.98% | 8.89% | 8.72% | 9.36% | 9.28% | +30 bps | |
| Net Worth / Assets | 8.79% | 8.79% | 9.34% | 8.98% | 8.89% | 8.72% | 9.36% | 9.28% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.81% | 31.30% | 32.39% | 31.06% | 29.02% | 27.74% | 29.24% | 27.96% | -309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |