Upper Darby, PA · Charter 12032
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.15% | -2.12% | 1.25% | 0.75% | 1.41% | 1.28% | 1.11% | 1.00% | +25 bps | |
| Return on Equity | -6.37% | -4.35% | 2.56% | 1.52% | 2.85% | 2.60% | 2.25% | 2.02% | +50 bps | |
| Net Interest Margin | 4.05% | 4.01% | 4.29% | 2.24% | 4.34% | 4.19% | 3.96% | 3.38% | +114 bps | |
| Efficiency Ratio | 86.02% | 84.65% | 70.75% | 66.49% | 67.55% | 69.44% | 72.04% | 70.36% | +387 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.90% | -4.98% | -3.93% | -0.25% | 2.37% | 1.53% | 2.45% | 2.29% | +254 bps | |
| Loan Growth (YoY) | -32.56% | -38.69% | -15.18% | -8.10% | 24.19% | -4.64% | -13.58% | -18.75% | -1,066 bps | |
| Share Growth (YoY) | -6.17% | -6.20% | -4.05% | -2.19% | 1.43% | 0.28% | 1.52% | 3.19% | +538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 36.14% | 35.01% | 36.21% | 20.30% | 22.30% | 15.59% | 37.54% | 39.26% | +1,896 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 | 35.68% | 32.00% | 30.55% | 30.61% | 28.73% | 25.42% | 26.98% | 28.76% | -185 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 49.37% | 48.76% | 49.06% | 49.26% | 49.49% | 49.31% | 49.15% | 49.55% | +29 bps | |
| Net Worth / Assets | 49.37% | 48.76% | 49.06% | 49.26% | 49.49% | 49.31% | 49.15% | 49.55% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.45% | 23.37% | 24.52% | 24.56% | 26.27% | 22.23% | 20.88% | 19.33% | -522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |