Belle Vernon, PA · Charter 17184
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.98% | -2.73% | -2.95% | -1.39% | -0.68% | -1.83% | -2.01% | -5.25% | -386 bps | |
| Return on Equity | -36.43% | -59.76% | -65.18% | -31.86% | -15.81% | -51.11% | -56.42% | -206% | -17,458 bps | |
| Net Interest Margin | 4.13% | 4.49% | 5.15% | 5.67% | 5.47% | 5.97% | 6.88% | 7.68% | +201 bps | |
| Efficiency Ratio | 63.74% | 61.85% | 62.37% | 60.17% | 60.25% | 58.87% | 57.91% | 61.63% | +145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.89% | -8.07% | -8.81% | -15.08% | -16.52% | -19.41% | -19.13% | -22.14% | -705 bps | |
| Loan Growth (YoY) | 5.77% | 12.22% | -8.98% | -7.86% | -7.55% | -10.78% | -10.33% | -14.83% | -697 bps | |
| Share Growth (YoY) | -7.14% | -5.17% | -6.28% | -12.64% | -15.13% | -18.38% | -18.23% | -20.97% | -833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.94% | 12.33% | 13.42% | 13.96% | 14.26% | 13.40% | 11.28% | 12.45% | -151 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 | 2.31% | 3.84% | 4.39% | 3.93% | 4.86% | 5.28% | 4.07% | 7.49% | +356 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.43% | 4.57% | 4.52% | 4.36% | 4.31% | 3.59% | 3.57% | 2.54% | -182 bps | |
| Net Worth / Assets | 5.43% | 4.57% | 4.52% | 4.36% | 4.31% | 3.59% | 3.57% | 2.54% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.62% | 67.25% | 71.12% | 73.25% | 70.39% | 73.51% | 77.99% | 78.95% | +570 bps | |
| Liquid Assets / Assets | 38.36% | 36.00% | 32.81% | 30.23% | 33.46% | 30.52% | 24.91% | 26.68% | -354 bps | |