Kane, PA · Charter 17487
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Kane, PA · Charter 17487
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | -2.76% | -2.71% | -2.13% | 0.86% | 0.62% | 1.02% | 0.08% | +221 bps | |
| Return on Equity | 3.00% | -18.69% | -18.48% | -13.25% | 4.79% | 3.53% | 5.06% | 0.38% | +1,363 bps | |
| Net Interest Margin | 5.32% | 5.20% | 5.24% | 5.77% | 3.90% | 3.86% | 6.10% | 6.83% | +107 bps | |
| Efficiency Ratio | 91.76% | 95.43% | 103.27% | 101.02% | 78.12% | 84.00% | 83.58% | 98.79% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | -9.06% | -12.39% | -10.86% | -19.71% | -19.46% | -23.79% | -26.63% | -1,577 bps | |
| Loan Growth (YoY) | -16.78% | -2.10% | 11.62% | 25.36% | 3.18% | 2.17% | 19.31% | 5.31% | -2,005 bps | |
| Share Growth (YoY) | 4.33% | -7.91% | -11.68% | -10.35% | -20.96% | -22.14% | -28.88% | -37.58% | -2,723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.41% | 2.30% | 1.48% | 5.67% | 6.33% | 11.80% | 3.68% | 3.76% | -190 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 | 2.84% | 4.27% | 4.74% | 4.53% | 4.26% | 4.29% | 3.41% | 2.39% | -214 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.24% | 14.76% | 14.67% | 16.08% | 17.94% | 17.59% | 20.10% | 22.00% | +592 bps | |
| Net Worth / Assets | 16.24% | 14.76% | 14.67% | 16.08% | 17.94% | 17.59% | 20.10% | 22.00% | +592 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.62% | 59.29% | 68.50% | 76.17% | 79.14% | 77.81% | 114.92% | 128.52% | +5,234 bps | |
| Liquid Assets / Assets | 49.00% | 49.90% | 42.42% | 36.94% | 36.63% | 36.52% | 10.14% | 8.51% | -2,844 bps | |