Levittown, PA · Charter 12914
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Levittown, PA · Charter 12914
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.46% | 0.38% | -0.21% | 0.64% | 10.35% | 0.30% | -26.06% | -2,584 bps | |
| Return on Equity | 3.03% | 2.98% | 2.34% | -1.35% | 4.09% | 60.68% | 1.76% | -224% | -22,307 bps | |
| Net Interest Margin | 3.43% | 4.00% | 4.41% | 4.18% | 4.59% | 14.71% | 4.65% | -13.64% | -1,782 bps | |
| Efficiency Ratio | 104.07% | 96.56% | 97.13% | 105.08% | 86.02% | 29.72% | 93.53% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.40% | -11.22% | -14.73% | -11.86% | -10.48% | -8.06% | -3.20% | -10.41% | +146 bps | |
| Loan Growth (YoY) | -24.99% | -10.41% | -5.97% | -1.05% | 4.76% | -4.85% | -5.00% | 6.43% | +747 bps | |
| Share Growth (YoY) | -9.97% | -13.44% | -17.34% | -14.06% | -12.54% | -9.84% | -4.15% | -5.59% | +847 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 0.50% | 9.48% | 17.08% | 4.55% | 7.20% | 7.06% | 9.12% | -795 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 | 3.78% | 4.20% | 3.62% | 6.90% | 7.08% | 5.95% | 6.77% | 7.40% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.70% | 15.44% | 16.26% | 15.90% | 15.75% | 17.06% | 17.10% | 11.61% | -429 bps | |
| Net Worth / Assets | 13.70% | 15.44% | 16.26% | 15.90% | 15.75% | 17.06% | 17.10% | 11.61% | -429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.42% | 32.96% | 35.26% | 31.38% | 31.65% | 34.79% | 34.95% | 35.38% | +400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |