Coudersport, PA · Cert 11871
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Coudersport, PA · Cert 11871
FDIC
Q1 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.00% | 1.03% | 0.88% | 0.95% | 1.00% | 1.02% | 0.96% | +8 bps | |
| Return on Equity | 7.62% | 7.99% | 8.23% | 7.10% | 7.67% | 8.08% | 8.15% | 7.54% | +43 bps | |
| Net Interest Margin | 2.49% | 2.48% | 2.51% | 2.45% | 2.45% | 2.49% | 2.50% | 2.59% | +14 bps | |
| Efficiency Ratio | 68.76% | 67.41% | 66.93% | 72.68% | 70.17% | 67.91% | 67.07% | 67.66% | -502 bps | |
| Non-Interest Burden | 1.37% | 1.33% | 1.33% | 1.48% | 1.40% | 1.34% | 1.32% | 1.40% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.38% | 2.67% | 0.67% | -0.07% | 0.49% | -2.63% | 1.94% | 2.44% | +251 bps | |
| Loan Growth (YoY) | -1.67% | -1.70% | 0.48% | 1.25% | 0.47% | 2.10% | 3.15% | 4.48% | +323 bps | |
| Deposit Growth (YoY) | -0.08% | 3.73% | 2.67% | 2.75% | 1.73% | 0.03% | 6.23% | 6.38% | +363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.07% | 0.06% | 0.18% | 0.09% | 0.08% | 0.06% | 0.00% | -18 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.04% | 1.00% | 0.98% | 0.95% | 0.96% | 0.97% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 28.03% | 28.17% | 28.49% | 28.43% | 27.92% | 28.51% | 29.00% | 29.31% | +89 bps | |
| Equity / Assets | 12.64% | 12.28% | 12.33% | 12.54% | 12.17% | 12.59% | 12.78% | 12.74% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.74% | 60.70% | 62.15% | 62.50% | 61.96% | 61.95% | 60.34% | 61.39% | -111 bps | |
| Liquid Assets / Assets | 0.70% | 3.15% | 0.92% | 1.25% | 1.19% | 2.20% | 6.61% | 6.58% | +533 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |