Bradford, PA · Charter 12146
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 0.06% | -0.75% | -0.39% | 0.65% | 0.46% | 1.66% | -0.44% | -5 bps | |
| Return on Equity | -2.72% | 0.49% | -5.96% | -2.77% | 4.19% | 2.78% | 9.98% | -2.61% | +17 bps | |
| Net Interest Margin | 4.97% | 5.07% | 5.19% | 5.63% | 6.12% | 6.43% | 5.80% | 6.58% | +94 bps | |
| Efficiency Ratio | 89.43% | 88.88% | 83.65% | 83.69% | 81.60% | 83.61% | 93.81% | 88.30% | +461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 7.19% | 10.46% | -10.02% | -16.59% | -19.73% | -18.60% | -15.07% | -505 bps | |
| Loan Growth (YoY) | -10.77% | -17.05% | -16.86% | -11.72% | -9.52% | -11.57% | -1.72% | -4.65% | +706 bps | |
| Share Growth (YoY) | -0.70% | 2.17% | 6.39% | -11.28% | -20.17% | -23.26% | -22.77% | -17.54% | -625 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.55% | 1.37% | 1.19% | 0.00% | 0.13% | 0.83% | 0.00% | -119 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 | 1.34% | 1.19% | 1.38% | 1.48% | 0.70% | 1.09% | 0.61% | 1.07% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.86% | 12.62% | 13.90% | 15.55% | 16.47% | 16.60% | 16.85% | +295 bps | |
| Net Worth / Assets | 12.25% | 12.86% | 12.62% | 13.90% | 15.55% | 16.47% | 16.60% | 16.85% | +295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.35% | 78.33% | 72.48% | 83.23% | 91.07% | 90.27% | 92.23% | 96.24% | +1,301 bps | |
| Liquid Assets / Assets | 32.34% | 34.50% | 39.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |