Blairsville, PA · Charter 11478
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.
Blairsville, PA · Charter 11478
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% | 0.16% | 0.32% | 0.23% | 0.15% | 0.11% | -0.01% | -16.32% | -1,656 bps | |
| Return on Equity | 1.09% | 0.79% | 1.52% | 1.10% | 0.70% | 0.52% | -0.05% | -88.87% | -8,997 bps | |
| Net Interest Margin | 2.96% | 3.12% | 3.39% | 2.62% | 2.99% | 3.00% | 3.04% | 2.74% | +12 bps | |
| Efficiency Ratio | 92.89% | 94.78% | 90.65% | 92.08% | 95.34% | 96.48% | 99.43% | 103.41% | +1,133 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.59% | -8.31% | -6.15% | -6.77% | -6.56% | -0.24% | -0.74% | -6.21% | +56 bps | |
| Loan Growth (YoY) | -15.11% | -8.33% | -6.89% | -7.80% | -4.57% | -7.84% | -11.57% | -17.94% | -1,015 bps | |
| Share Growth (YoY) | -8.13% | -10.42% | -8.12% | -8.93% | -8.02% | -0.46% | -0.36% | -2.44% | +649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.12% | 3.85% | 3.68% | 2.46% | 5.79% | 8.49% | 7.47% | 4.74% | +229 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 | 1.11% | 1.10% | 1.10% | 1.15% | 1.16% | 1.19% | 0.03% | 4.55% | +341 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.49% | 20.82% | 21.11% | 21.13% | 21.14% | 21.14% | 21.25% | 18.37% | -276 bps | |
| Net Worth / Assets | 19.49% | 20.82% | 21.11% | 21.13% | 21.14% | 21.14% | 21.25% | 18.37% | -276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.32% | 70.35% | 70.58% | 67.92% | 66.74% | 65.14% | 62.64% | 57.13% | -1,079 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |