Scranton, PA · Charter 16640
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.56% | 0.77% | 0.70% | 0.54% | 0.02% | -2.19% | -1.74% | -244 bps | |
| Return on Equity | 6.68% | 4.10% | 5.52% | 4.91% | 4.04% | 0.12% | -15.64% | -12.12% | -1,703 bps | |
| Net Interest Margin | 4.70% | 4.54% | 4.63% | 4.67% | 4.50% | 4.33% | 4.44% | 4.44% | -23 bps | |
| Efficiency Ratio | 80.98% | 87.79% | 83.65% | 85.07% | 88.72% | 99.62% | 147.43% | 137.61% | +5,254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.65% | -15.87% | -13.43% | -8.25% | -3.75% | -9.08% | -16.02% | -16.42% | -817 bps | |
| Loan Growth (YoY) | -0.18% | -3.17% | 2.40% | 4.25% | 4.49% | -10.10% | -28.47% | -32.91% | -3,716 bps | |
| Share Growth (YoY) | -18.40% | -17.79% | -15.48% | -10.13% | -5.12% | -10.90% | -17.06% | -17.13% | -700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.98% | 2.98% | 1.81% | 1.02% | 4.44% | 0.39% | 2.79% | 1.75% | +73 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 | 2.01% | 1.97% | 1.86% | 1.87% | 1.50% | 1.72% | 2.04% | 2.18% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.54% | 13.69% | 13.87% | 14.34% | 13.37% | 14.12% | 13.98% | 14.35% | +1 bps | |
| Net Worth / Assets | 13.54% | 13.69% | 13.87% | 14.34% | 13.37% | 14.12% | 13.98% | 14.35% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.68% | 53.53% | 58.71% | 60.56% | 56.92% | 54.01% | 50.63% | 49.03% | -1,153 bps | |
| Liquid Assets / Assets | 25.87% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |