Clarion, PA · Charter 17156
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 | 0.13% | 0.26% | 0.88% | 0.95% | 0.73% | 0.19% | 0.19% | -1.27% | -222 bps | |
| Return on Equity | 1.02% | 2.04% | 7.35% | 8.61% | 6.17% | 1.78% | 1.82% | -12.36% | -2,097 bps | |
| Net Interest Margin | 4.58% | 4.67% | 4.59% | 4.06% | 4.34% | 4.14% | 3.75% | 3.69% | -36 bps | |
| Efficiency Ratio | 89.54% | 87.01% | 82.51% | 88.10% | 83.93% | 101.22% | 95.13% | 131.54% | +4,344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.50% | -5.79% | -1.97% | 14.96% | 12.96% | 19.92% | 13.28% | -1.36% | -1,632 bps | |
| Loan Growth (YoY) | -11.80% | -5.10% | -0.95% | 1.16% | 6.68% | 4.20% | -2.53% | 0.51% | -65 bps | |
| Share Growth (YoY) | -6.49% | -6.88% | -2.57% | 16.45% | 14.07% | 23.03% | 15.45% | 0.50% | -1,595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.56% | 1.26% | 1.00% | 0.62% | 0.70% | 1.52% | 1.35% | +34 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 | 0.46% | 0.51% | 0.48% | 0.15% | 0.12% | 0.12% | 0.12% | 0.10% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.57% | 12.83% | 12.02% | 11.05% | 11.83% | 10.89% | 10.66% | 10.28% | -77 bps | |
| Net Worth / Assets | 12.57% | 12.83% | 12.02% | 11.05% | 11.83% | 10.89% | 10.66% | 10.28% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.06% | 88.10% | 83.04% | 74.02% | 79.55% | 74.63% | 70.11% | 74.03% | +1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |