Edwardsville, PA · Charter 15971
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.81% | 0.64% | 1.62% | 1.97% | 1.85% | 2.38% | 1.43% | -6.84% | -880 bps | |
| Return on Equity | 17.07% | 4.09% | 10.05% | 11.76% | 10.77% | 13.12% | 8.38% | -48.94% | -6,069 bps | |
| Net Interest Margin | 4.80% | 3.32% | 3.82% | 3.88% | 3.85% | 4.49% | 2.89% | -1.76% | -564 bps | |
| Efficiency Ratio | 41.94% | 67.27% | 57.94% | 49.58% | 52.17% | 47.21% | 50.60% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.15% | -1.99% | -3.76% | -4.59% | -5.20% | -1.02% | -3.50% | -7.12% | -253 bps | |
| Loan Growth (YoY) | 1.56% | 12.49% | 13.44% | -4.65% | -18.67% | -22.66% | -24.41% | -30.64% | -2,600 bps | |
| Share Growth (YoY) | 2.24% | -3.46% | -5.18% | -5.90% | -6.03% | -0.68% | -4.69% | -3.91% | +199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.08% | 9.06% | 7.79% | 8.74% | 9.90% | 20.04% | 28.50% | 31.42% | +2,269 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 | 3.16% | 4.32% | 4.58% | 4.63% | 5.51% | 5.59% | 6.56% | 5.46% | +83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.45% | 15.61% | 16.11% | 16.73% | 17.16% | 18.15% | 17.04% | 13.97% | -275 bps | |
| Net Worth / Assets | 16.45% | 15.61% | 16.11% | 16.73% | 17.16% | 18.15% | 17.04% | 13.97% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.45% | 44.81% | 41.40% | 41.39% | 35.01% | 34.89% | 32.84% | 29.87% | -1,152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |