Smithfield, PA · Cert 17766
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.34% | 0.04% | 0.30% | 0.25% | -1.81% | 2.48% | 0.64% | +34 bps | |
| Return on Equity | 6.02% | 4.45% | 0.43% | 3.63% | 3.10% | -23.76% | 30.85% | 6.15% | +252 bps | |
| Net Interest Margin | 2.20% | 2.26% | 2.18% | 2.24% | 2.30% | 2.26% | -1.52% | 3.99% | +175 bps | |
| Efficiency Ratio | 88.72% | 81.62% | 91.07% | 84.23% | 85.62% | 140.99% | 59.81% | 71.05% | -1,318 bps | |
| Non-Interest Burden | 1.94% | 1.81% | 1.98% | 1.85% | 1.93% | 3.36% | -3.67% | 2.74% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.12% | -25.65% | -23.03% | -21.01% | -13.89% | -9.96% | -3.81% | 5.44% | +2,645 bps | |
| Loan Growth (YoY) | -13.42% | -12.73% | -9.67% | 0.69% | 10.08% | 13.45% | 126.18% | 120.47% | +11,978 bps | |
| Deposit Growth (YoY) | -23.86% | -26.51% | -22.33% | -20.06% | -12.95% | -9.06% | -6.14% | 0.83% | +2,089 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.61% | -0.68% | 0.55% | 0.02% | -0.50% | -0.46% | 0.30% | -0.12% | -14 bps | |
| Allowance / Loans | 3.02% | 3.32% | 3.19% | 3.02% | 3.03% | 5.04% | 2.55% | 2.49% | -53 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.82% | 20.59% | 19.86% | 20.90% | 20.99% | 20.16% | 9.73% | 10.82% | -1,008 bps | |
| Equity / Assets | 6.99% | 8.34% | 8.17% | 8.16% | 8.05% | 7.19% | 8.90% | 11.76% | +360 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 19.39% | 20.17% | 21.20% | 23.25% | 24.52% | 25.16% | 51.10% | 50.84% | +2,759 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.05% | 0.05% | 0.04% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |