Schuylkill Ha, PA · Charter 19431
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Schuylkill Ha, PA · Charter 19431
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.67% | -2.39% | -2.84% | -3.12% | -3.00% | -2.87% | -3.62% | -4.59% | -147 bps | |
| Return on Equity | -23.15% | -20.82% | -25.09% | -30.35% | -31.06% | -30.52% | -40.30% | -62.16% | -3,181 bps | |
| Net Interest Margin | 4.36% | 4.55% | 4.79% | 4.67% | 4.79% | 5.01% | 5.41% | 5.41% | +75 bps | |
| Efficiency Ratio | 153.22% | 150.23% | 156.49% | 170.15% | 161.06% | 154.91% | 160.61% | 176.52% | +637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.54% | -8.17% | -10.11% | -8.50% | -7.75% | -8.16% | -9.98% | -7.69% | +81 bps | |
| Loan Growth (YoY) | -12.18% | -9.18% | -10.84% | -9.84% | -2.99% | -3.35% | 3.51% | 1.86% | +1,170 bps | |
| Share Growth (YoY) | -3.33% | -6.62% | -8.67% | -6.74% | -5.79% | -6.04% | -7.61% | -4.81% | +193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.38% | 5.17% | 5.50% | 3.73% | 2.94% | 2.95% | 3.87% | 2.39% | -135 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 | 0.18% | 1.12% | 0.98% | 0.29% | 0.17% | 0.17% | 0.44% | 0.53% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.55% | 11.48% | 11.33% | 10.28% | 9.66% | 9.40% | 8.97% | 7.39% | -289 bps | |
| Net Worth / Assets | 11.55% | 11.48% | 11.33% | 10.28% | 9.66% | 9.40% | 8.97% | 7.39% | -289 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.10% | 46.13% | 46.53% | 42.11% | 43.34% | 47.45% | 52.14% | 45.06% | +295 bps | |
| Liquid Assets / Assets | 56.17% | 42.00% | 41.49% | 40.36% | 0.00% | 0.00% | 0.00% | 0.00% | -4,036 bps | |