Curwensville, PA · Cert 15921
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.
Curwensville, PA · Cert 15921
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 | 0.80% | 0.92% | 1.00% | 0.76% | 0.95% | 0.92% | 1.03% | 0.51% | -25 bps | |
| Return on Equity | 7.67% | 8.77% | 9.57% | 7.10% | 8.95% | 8.84% | 9.89% | 4.72% | -238 bps | |
| Net Interest Margin | 3.60% | 3.62% | 3.61% | 3.44% | 3.46% | 3.35% | 3.35% | 3.26% | -18 bps | |
| Efficiency Ratio | 67.55% | 65.11% | 63.97% | 73.59% | 66.02% | 66.62% | 66.77% | 75.76% | +218 bps | |
| Non-Interest Burden | 2.24% | 2.11% | 2.05% | 2.37% | 2.05% | 2.00% | 2.02% | 2.35% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | -0.47% | -0.30% | 1.79% | 4.41% | 10.80% | 6.58% | -1.09% | -289 bps | |
| Loan Growth (YoY) | 5.41% | 0.36% | -1.41% | 1.29% | -1.35% | 4.44% | 3.10% | 0.47% | -83 bps | |
| Deposit Growth (YoY) | 1.87% | 4.88% | -0.12% | 7.19% | 7.14% | 4.74% | 6.35% | 2.25% | -493 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 | 0.21% | 0.18% | 0.19% | 0.94% | 0.78% | 0.81% | 0.95% | 0.16% | -78 bps | |
| Allowance / Loans | 1.17% | 1.24% | 1.21% | 1.03% | 0.96% | 0.98% | 0.95% | 1.01% | -3 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 | 14.01% | 14.11% | 14.41% | 14.19% | 13.69% | 13.77% | 14.10% | 14.85% | +65 bps | |
| Equity / Assets | 10.57% | 10.58% | 10.63% | 10.65% | 10.49% | 10.06% | 10.40% | 11.18% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.74% | 85.64% | 89.70% | 87.07% | 83.54% | 85.40% | 86.95% | 85.55% | -152 bps | |
| Liquid Assets / Assets | 0.43% | 0.00% | 0.23% | 0.11% | 0.38% | 0.17% | 0.08% | 0.14% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |