Dubois, PA · Charter 20733
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.68% | -0.66% | 1.18% | -0.05% | -0.46% | -0.19% | +47 bps | |
| Return on Equity | 6.51% | 6.40% | 6.75% | -8.05% | 13.13% | -0.50% | -5.82% | -2.56% | +549 bps | |
| Net Interest Margin | 3.60% | 3.72% | 3.91% | 3.16% | 3.17% | 3.20% | 3.15% | 2.72% | -43 bps | |
| Efficiency Ratio | 81.47% | 82.49% | 83.09% | 91.88% | 70.38% | 91.79% | 83.08% | 101.68% | +980 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.63% | -4.47% | -0.39% | 6.91% | 4.37% | 7.81% | 12.66% | 4.38% | -254 bps | |
| Loan Growth (YoY) | -10.68% | -12.85% | -13.55% | -14.04% | -10.63% | -7.80% | -3.94% | -5.75% | +829 bps | |
| Share Growth (YoY) | -1.57% | -5.08% | -1.14% | 7.88% | 4.29% | 8.24% | 15.23% | 5.37% | -251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.44% | 1.54% | 0.58% | 0.49% | 0.51% | 8.50% | 2.70% | +212 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 | 1.54% | 1.41% | 1.41% | 1.49% | 1.41% | 1.43% | 3.36% | 1.93% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.02% | 9.46% | 10.07% | 8.24% | 9.01% | 9.04% | 7.92% | 7.56% | -68 bps | |
| Net Worth / Assets | 9.02% | 9.46% | 10.07% | 8.24% | 9.01% | 9.04% | 7.92% | 7.56% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.63% | 64.07% | 64.42% | 53.20% | 53.67% | 54.57% | 53.70% | 47.59% | -561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |