Aliquippa, PA · Charter 1876
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
Aliquippa, PA · Charter 1876
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.14% | 1.01% | 0.41% | 0.72% | 0.89% | 0.87% | 0.63% | +22 bps | |
| Return on Equity | 7.71% | 7.09% | 6.13% | 2.44% | 4.20% | 4.99% | 4.73% | 4.15% | +171 bps | |
| Net Interest Margin | 3.45% | 3.39% | 3.38% | 3.20% | 3.18% | 3.33% | 3.30% | 3.07% | -13 bps | |
| Efficiency Ratio | 64.51% | 66.08% | 66.42% | 64.31% | 65.64% | 63.66% | 66.16% | 79.63% | +1,532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -8.24% | -9.57% | -6.83% | -4.81% | -5.22% | -5.69% | -6.28% | +54 bps | |
| Loan Growth (YoY) | -9.50% | -13.53% | -14.93% | -11.11% | -9.83% | -0.10% | 2.03% | 2.73% | +1,384 bps | |
| Share Growth (YoY) | -10.88% | -10.80% | -12.17% | -8.85% | -6.56% | -7.14% | -7.80% | -4.40% | +446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 3.64% | 4.55% | 3.53% | 3.26% | 3.10% | 2.24% | 2.10% | -143 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 | 1.47% | 1.37% | 1.45% | 1.74% | 1.35% | 1.46% | 1.33% | 1.28% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.64% | 16.05% | 16.51% | 16.75% | 17.19% | 17.74% | 18.37% | 15.07% | -168 bps | |
| Net Worth / Assets | 15.64% | 16.05% | 16.51% | 16.75% | 17.19% | 17.74% | 18.37% | 15.07% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.65% | 33.42% | 32.91% | 33.11% | 33.44% | 35.95% | 36.42% | 35.58% | +247 bps | |
| Liquid Assets / Assets | 69.75% | 22.93% | 25.92% | 28.11% | 22.28% | 19.76% | 29.79% | 42.16% | +1,405 bps | |