Allison Park, PA · Charter 11853
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.60% | -0.18% | -4.40% | -0.31% | -0.27% | -0.23% | 0.02% | +442 bps | |
| Return on Equity | 1.31% | 4.11% | -1.19% | -33.33% | -2.43% | -1.82% | -1.81% | 0.21% | +3,354 bps | |
| Net Interest Margin | 3.58% | 4.19% | 3.66% | 4.80% | 4.77% | 5.56% | 4.20% | 4.04% | -77 bps | |
| Efficiency Ratio | 94.67% | 85.92% | 104.81% | 124.61% | 106.48% | 104.82% | 85.91% | 20.85% | -10,376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.70% | 0.14% | 2.96% | -0.92% | 1.23% | -11.55% | -1.44% | 7.21% | +812 bps | |
| Loan Growth (YoY) | 3.35% | 10.28% | 5.99% | 5.31% | -10.78% | -18.35% | -14.87% | -20.13% | -2,544 bps | |
| Share Growth (YoY) | -1.22% | 0.42% | 3.72% | -1.00% | 1.72% | -11.79% | 1.19% | 11.63% | +1,263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.40% | 8.72% | 5.40% | 5.85% | 0.00% | 0.00% | 7.06% | +167 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 | 0.42% | 0.41% | 0.44% | 0.47% | 0.49% | 1.00% | 0.55% | 2.02% | +155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.75% | 14.47% | 14.92% | 13.19% | 12.74% | 14.73% | 12.68% | 10.45% | -274 bps | |
| Net Worth / Assets | 14.75% | 14.47% | 14.92% | 13.19% | 12.74% | 14.73% | 12.68% | 10.45% | -274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.18% | 101.87% | 94.84% | 87.15% | 86.11% | 94.29% | 79.78% | 62.35% | -2,480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |