Johnstown, PA · Charter 19451
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 | 0.78% | 0.59% | -0.10% | 2.09% | 1.90% | 1.59% | -1.03% | 0.52% | -157 bps | |
| Return on Equity | 8.10% | 6.19% | -1.11% | 24.57% | 20.71% | 18.49% | -15.35% | 7.88% | -1,669 bps | |
| Net Interest Margin | 4.54% | 4.35% | 4.37% | 5.24% | 5.12% | 4.74% | 4.67% | 4.04% | -120 bps | |
| Efficiency Ratio | 79.81% | 82.56% | 80.75% | 66.95% | 69.34% | 72.03% | 74.03% | 88.99% | +2,203 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.66% | -4.56% | -7.27% | 9.37% | 10.51% | 21.29% | 14.60% | 7.08% | -229 bps | |
| Loan Growth (YoY) | -3.63% | -7.79% | -4.51% | -5.28% | -2.45% | -2.27% | -5.73% | -1.69% | +359 bps | |
| Share Growth (YoY) | -1.76% | -2.87% | -7.06% | 9.54% | 10.74% | 22.53% | 17.54% | 9.15% | -39 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.28% | 4.99% | 2.33% | 2.74% | 2.37% | 2.23% | 4.26% | 15.81% | +1,307 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 | 0.78% | 0.58% | 0.98% | 0.91% | 0.87% | 0.66% | 4.04% | 3.93% | +302 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.60% | 9.55% | 8.84% | 8.50% | 9.20% | 8.62% | 6.69% | 6.61% | -189 bps | |
| Net Worth / Assets | 9.60% | 9.55% | 8.84% | 8.50% | 9.20% | 8.62% | 6.69% | 6.61% | -189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.85% | 94.31% | 91.94% | 82.05% | 85.32% | 75.22% | 73.74% | 73.90% | -815 bps | |
| Liquid Assets / Assets | 5.72% | 7.88% | 9.67% | 19.06% | 0.00% | 0.00% | 0.00% | 0.00% | -1,906 bps | |