Gibsonia, PA · Charter 14282
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 | 0.46% | 0.65% | 0.75% | 0.50% | 0.55% | 0.64% | 0.40% | 0.70% | +20 bps | |
| Return on Equity | 2.37% | 3.26% | 3.63% | 2.42% | 2.53% | 2.82% | 1.62% | 2.78% | +36 bps | |
| Net Interest Margin | 3.40% | 3.61% | 3.56% | 3.48% | 3.68% | 3.83% | 3.58% | 3.71% | +23 bps | |
| Efficiency Ratio | 82.88% | 79.89% | 78.99% | 83.87% | 83.28% | 81.62% | 88.88% | 80.12% | -376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.17% | -8.44% | -9.35% | -6.61% | -7.92% | -9.29% | -14.83% | -15.58% | -897 bps | |
| Loan Growth (YoY) | 20.91% | 9.99% | 4.80% | -1.04% | -12.97% | -13.19% | -22.70% | -29.75% | -2,871 bps | |
| Share Growth (YoY) | -12.74% | -10.97% | -12.34% | -8.92% | -10.69% | -12.41% | -19.42% | -20.39% | -1,147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.50% | 0.12% | 0.55% | 1.90% | 4.39% | 4.46% | 2.12% | +157 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 | 0.13% | 0.11% | 0.11% | 0.17% | 0.22% | 0.26% | 0.30% | 0.07% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.35% | 19.99% | 20.74% | 20.61% | 21.75% | 22.68% | 24.93% | 25.17% | +456 bps | |
| Net Worth / Assets | 19.35% | 19.99% | 20.74% | 20.61% | 21.75% | 22.68% | 24.93% | 25.17% | +456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.38% | 71.37% | 70.68% | 70.08% | 69.56% | 70.73% | 67.80% | 61.84% | -824 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |