York, PA · Charter 18852
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.30% | 0.19% | 0.12% | 0.15% | -0.11% | -9.67% | -8.33% | -845 bps | |
| Return on Equity | 4.22% | 3.14% | 1.89% | 1.09% | 1.51% | -1.12% | -266% | -256% | -25,680 bps | |
| Net Interest Margin | 4.70% | 4.69% | 4.92% | 5.27% | 5.06% | 4.72% | 4.98% | 5.23% | -4 bps | |
| Efficiency Ratio | 76.94% | 77.79% | 79.63% | 80.81% | 80.11% | 84.12% | 94.09% | 100.52% | +1,971 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.43% | 7.69% | -0.03% | -10.96% | -5.52% | -4.76% | -8.51% | -7.27% | +368 bps | |
| Loan Growth (YoY) | 7.67% | 7.64% | 0.31% | -0.38% | -2.51% | -9.57% | -10.31% | -20.08% | -1,970 bps | |
| Share Growth (YoY) | 9.42% | 7.46% | -0.64% | -12.34% | -6.11% | -4.96% | -1.99% | 0.62% | +1,296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.94% | 6.97% | 7.95% | 8.28% | 8.47% | 8.33% | 7.14% | 7.72% | -56 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 | 1.20% | 1.08% | 1.09% | 1.25% | 1.46% | 1.34% | 7.86% | 6.99% | +574 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.39% | 9.45% | 9.99% | 10.75% | 9.98% | 9.79% | 3.63% | 3.26% | -749 bps | |
| Net Worth / Assets | 9.39% | 9.45% | 9.99% | 10.75% | 9.98% | 9.79% | 3.63% | 3.26% | -749 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.26% | 85.71% | 89.51% | 98.19% | 86.46% | 81.56% | 81.90% | 77.99% | -2,020 bps | |
| Liquid Assets / Assets | 10.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |