Lock Haven, PA · Charter 20703
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 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.
Lock Haven, PA · Charter 20703
Q2 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 2.41% | 2.53% | 1.96% | -16.44% | -1,839 bps | |
| Return on Equity | 9.65% | 10.95% | 10.89% | 8.73% | -132.56% | -14,221 bps | |
| Net Interest Margin | 3.45% | 3.95% | 4.12% | 3.71% | -14.74% | -1,819 bps | |
| Efficiency Ratio | 43.79% | 39.23% | 38.89% | 47.82% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.17% | -1.17% | 2.01% | 3.42% | 4.37% | +419 bps | |
| Loan Growth (YoY) | -6.47% | -5.14% | 0.35% | 5.72% | 0.05% | +653 bps | |
| Share Growth (YoY) | -1.61% | -4.16% | -0.81% | 1.13% | 14.68% | +1,629 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.43% | 2.13% | 0.20% | 3.17% | +305 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.38% | 1.35% | 1.34% | 0.00% | -136 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.15% | 22.01% | 23.23% | 22.50% | 12.40% | -775 bps | |
| Net Worth / Assets | 20.15% | 22.01% | 23.23% | 22.50% | 12.40% | -775 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.89% | 25.47% | 27.13% | 25.62% | 20.84% | -305 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |