Monroeville, PA · Charter 16865
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Monroeville, PA · Charter 16865
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.06% | 0.00% | 0.07% | 0.15% | 0.18% | 0.33% | 0.40% | +33 bps | |
| Return on Equity | 0.89% | 0.35% | 0.02% | 0.43% | 0.91% | 1.07% | 1.98% | 2.34% | +191 bps | |
| Net Interest Margin | 3.08% | 3.06% | 2.73% | 2.87% | 2.99% | 2.98% | 2.90% | 3.03% | +16 bps | |
| Efficiency Ratio | 90.01% | 91.90% | 98.16% | 96.10% | 93.74% | 92.83% | 85.72% | 84.32% | -1,178 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.13% | -6.22% | -6.78% | -4.05% | -2.92% | -1.83% | -2.77% | -5.75% | -170 bps | |
| Loan Growth (YoY) | 4.04% | 5.42% | 9.40% | 10.33% | 1.61% | -0.15% | 1.87% | -1.72% | -1,206 bps | |
| Share Growth (YoY) | -6.17% | -7.25% | -7.83% | -4.81% | -3.49% | -2.37% | -3.60% | -7.21% | -240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 1.48% | 1.15% | 1.66% | 1.39% | 1.30% | 0.26% | 0.16% | -150 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 | 1.04% | 0.83% | 1.07% | 0.93% | 0.82% | 0.86% | 0.47% | 0.50% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.63% | 15.98% | 15.79% | 15.70% | 16.18% | 16.47% | 16.53% | 16.98% | +128 bps | |
| Net Worth / Assets | 15.63% | 15.98% | 15.79% | 15.70% | 16.18% | 16.47% | 16.53% | 16.98% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.42% | 48.92% | 47.21% | 49.33% | 49.93% | 50.04% | 49.89% | 52.25% | +292 bps | |
| Liquid Assets / Assets | 18.68% | 21.24% | 24.39% | 22.85% | 27.22% | 24.97% | 27.95% | 0.00% | -2,285 bps | |