Bradford, PA · Charter 11109
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.13% | 0.13% | 0.09% | 0.10% | 0.09% | -0.12% | 0.00% | -9 bps | |
| Return on Equity | 0.22% | 0.80% | 0.83% | 0.57% | 0.60% | 0.54% | -0.77% | 0.00% | -57 bps | |
| Net Interest Margin | 4.86% | 4.70% | 4.44% | 4.77% | 4.89% | 4.86% | 4.66% | 4.60% | -17 bps | |
| Efficiency Ratio | 78.14% | 96.27% | 93.40% | 88.89% | 85.28% | 82.11% | 86.07% | 88.81% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.60% | 0.57% | 0.83% | 0.59% | -3.04% | -2.32% | -2.63% | -1.40% | -199 bps | |
| Loan Growth (YoY) | -10.42% | -10.89% | -8.58% | -11.41% | -12.99% | -14.13% | -16.61% | -15.48% | -407 bps | |
| Share Growth (YoY) | -2.22% | 0.20% | 0.58% | 0.26% | -3.23% | -2.95% | -3.08% | -1.77% | -203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.44% | 2.68% | 2.55% | 4.79% | 4.49% | 2.93% | 2.73% | 2.79% | -200 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 | 1.15% | 1.08% | 0.98% | 1.39% | 1.60% | 1.77% | 1.38% | 0.09% | -130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.55% | 15.98% | 15.61% | 15.93% | 17.17% | 16.45% | 16.00% | 16.19% | +26 bps | |
| Net Worth / Assets | 16.55% | 15.98% | 15.61% | 15.93% | 17.17% | 16.45% | 16.00% | 16.19% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.11% | 84.16% | 80.68% | 79.06% | 82.82% | 74.47% | 69.42% | 68.03% | -1,104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |