Pottsville, PA · Charter 13629
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.94% | 2.70% | 2.49% | 2.86% | 0.34% | 2.06% | 1.48% | 24.25% | +2,139 bps | |
| Return on Equity | 12.02% | 7.71% | 7.28% | 8.14% | 1.04% | 2.27% | 1.57% | 24.25% | +1,611 bps | |
| Net Interest Margin | 7.94% | 6.10% | 5.29% | 3.54% | 3.09% | 7.71% | 6.14% | 254% | +25,088 bps | |
| Efficiency Ratio | 50.40% | 55.75% | 52.86% | 75.41% | 88.93% | 73.34% | 75.91% | 90.47% | +1,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.20% | -6.11% | -1.05% | -0.29% | 5.34% | -59.05% | -62.09% | -99.32% | -9,903 bps | |
| Loan Growth (YoY) | -9.09% | -14.13% | -26.12% | -31.25% | -28.20% | -68.44% | -86.22% | -100.00% | -6,875 bps | |
| Share Growth (YoY) | -2.39% | -11.30% | -3.89% | -4.76% | 5.08% | -94.04% | -96.57% | -100.00% | -9,524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.62% | 7.67% | 8.48% | 7.99% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 16.00% | 16.30% | 19.07% | 8.97% | 9.59% | 27.30% | 59.41% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 32.78% | 35.02% | 34.24% | 35.16% | 32.94% | 90.54% | 94.06% | 100.00% | +6,484 bps | |
| Net Worth / Assets | 32.78% | 35.02% | 34.24% | 35.16% | 32.94% | 90.54% | 94.06% | 100.00% | +6,484 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.22% | 33.58% | 27.55% | 26.21% | 21.33% | 177.83% | 110.84% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |