Monongahela, PA · Charter 18721
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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.
Monongahela, PA · Charter 18721
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 0.93% | 0.71% | 0.01% | 1.29% | 0.04% | 0.21% | 0.22% | +21 bps | |
| Return on Equity | 26.26% | 14.63% | 10.73% | 0.08% | 16.68% | 0.53% | 2.95% | 2.41% | +234 bps | |
| Net Interest Margin | 5.29% | 5.20% | 5.35% | 6.28% | 6.43% | 6.60% | 6.09% | 7.47% | +119 bps | |
| Efficiency Ratio | 68.88% | 70.81% | 72.57% | 75.14% | 79.98% | 82.25% | 84.74% | 90.07% | +1,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.03% | -12.15% | -11.03% | -12.63% | -17.25% | -20.42% | -13.54% | -18.36% | -573 bps | |
| Loan Growth (YoY) | 53.11% | 56.28% | 48.83% | -3.86% | -6.67% | -7.82% | -7.75% | -15.09% | -1,122 bps | |
| Share Growth (YoY) | -9.22% | -12.46% | -12.11% | -13.34% | -22.37% | -21.36% | -16.37% | -19.97% | -663 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 2.02% | 1.32% | 2.70% | 1.86% | 1.64% | 5.49% | 5.00% | +230 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 | 1.16% | 1.15% | 0.12% | 1.52% | 0.74% | 1.54% | 1.64% | 1.53% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.57% | 6.35% | 6.61% | 7.21% | 7.76% | 7.47% | 7.25% | 9.11% | +190 bps | |
| Net Worth / Assets | 6.57% | 6.35% | 6.61% | 7.21% | 7.76% | 7.47% | 7.25% | 9.11% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.65% | 63.78% | 62.70% | 76.93% | 82.53% | 74.76% | 69.17% | 81.63% | +470 bps | |
| Liquid Assets / Assets | 33.77% | 137.47% | 38.97% | 26.98% | 25.13% | 0.00% | 0.00% | 0.00% | -2,698 bps | |