Lock Haven, PA · Charter 20703
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 1.42% | 2.00% | 1.95% | 2.41% | 2.53% | 1.96% | -16.44% | -1,839 bps | |
| Return on Equity | 4.19% | 6.72% | 9.64% | 9.65% | 10.95% | 10.89% | 8.73% | -132.56% | -14,221 bps | |
| Net Interest Margin | 2.68% | 3.34% | 3.62% | 3.45% | 3.95% | 4.12% | 3.71% | -14.74% | -1,819 bps | |
| Efficiency Ratio | 57.76% | 50.08% | 44.71% | 43.79% | 39.23% | 38.89% | 47.82% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | -1.80% | -2.81% | 0.17% | -1.17% | 2.01% | 3.42% | 4.37% | +419 bps | |
| Loan Growth (YoY) | -10.22% | -16.10% | -12.92% | -6.47% | -5.14% | 0.35% | 5.72% | 0.05% | +653 bps | |
| Share Growth (YoY) | 1.02% | -3.94% | -5.15% | -1.61% | -4.16% | -0.81% | 1.13% | 14.68% | +1,629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 0.74% | 0.75% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.08% | 1.35% | 1.42% | 1.36% | 1.38% | 1.35% | 1.34% | 0.00% | -136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.60% | 21.11% | 20.78% | 20.15% | 22.01% | 23.23% | 22.50% | 12.40% | -775 bps | |
| Net Worth / Assets | 19.60% | 21.11% | 20.78% | 20.15% | 22.01% | 23.23% | 22.50% | 12.40% | -775 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.74% | 26.82% | 24.51% | 23.89% | 25.47% | 27.13% | 25.62% | 20.84% | -305 bps | |
| Liquid Assets / Assets | 78.08% | 77.18% | 79.99% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |