East Prospect, PA · Cert 13285
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.
East Prospect, PA · Cert 13285
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 | 2.83% | 2.39% | 1.94% | 2.45% | 2.51% | 1.83% | 1.54%1 | -0.97% | -342 bps | |
| Return on Equity | 11.58% | 9.88% | 8.04% | 10.14% | 10.34% | 7.61% | 6.37% | -4.04% | -1,417 bps | |
| Net Interest Margin | 3.80% | 3.73% | 3.72% | 3.48% | 3.37% | 3.29% | 3.28% | 3.00% | -48 bps | |
| Efficiency Ratio | 50.09% | 50.27% | 58.33% | 56.41% | 56.94% | 59.58% | 78.68% | 124.06% | +6,765 bps | |
| Non-Interest Burden | 1.85% | 1.82% | 2.12% | 1.90% | 1.86% | 1.91% | 2.55% | 4.02% | +212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.03% | -0.56% | -2.67% | -2.39% | -4.54% | -1.08% | -1.54% | -3.64% | -125 bps | |
| Loan Growth (YoY) | -9.19% | -6.13% | -6.02% | -3.69% | -4.31% | -3.06% | -0.04% | -5.77% | -208 bps | |
| Deposit Growth (YoY) | -0.42% | 1.02% | -0.90% | -2.40% | -3.11% | -0.66% | -1.71% | -2.11% | +29 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 | -0.06% | 0.21% | 0.30% | 2.37% | 1.23% | 0.78% | 0.56% | 0.09% | -228 bps | |
| Allowance / Loans | 1.86% | 1.65% | 1.57% | 0.96% | 1.00% | 0.98% | 1.01% | 1.03% | +7 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 | 42.43% | 41.85% | 43.63% | 44.94% | 46.06% | 44.60% | 45.27% | 44.31% | -63 bps | |
| Equity / Assets | 24.71% | 23.32% | 24.08% | 24.31% | 24.42% | 23.64% | 24.45% | 23.52% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.41% | 30.54% | 30.99% | 31.30% | 31.02% | 29.80% | 31.52% | 30.13% | -117 bps | |
| Liquid Assets / Assets | 30.89% | 29.47% | 29.81% | 1.08% | 0.94% | 0.70% | 0.94% | 0.80% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |