Altoona, PA · Charter 21200
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.48% | -0.12% | -0.05% | 0.08% | 0.28% | 0.68% | 0.85% | +90 bps | |
| Return on Equity | 8.14% | 4.42% | -1.20% | -0.53% | 0.69% | 2.68% | 6.67% | 8.15% | +867 bps | |
| Net Interest Margin | 3.28% | 2.56% | 2.48% | 2.28% | 2.92% | 2.90% | 2.79% | 3.07% | +79 bps | |
| Efficiency Ratio | 84.30% | 89.86% | 88.19% | 91.40% | 89.96% | 80.92% | 80.91% | 80.72% | -1,068 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.87% | 11.22% | 6.22% | 9.73% | 7.71% | 4.74% | 4.15% | -3.48% | -1,321 bps | |
| Loan Growth (YoY) | -1.52% | -11.02% | -9.90% | -8.31% | 0.82% | 24.55% | 51.82% | 57.27% | +6,558 bps | |
| Share Growth (YoY) | 13.45% | 12.11% | 7.11% | 11.35% | 8.22% | 5.37% | 4.00% | -4.81% | -1,617 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.84% | 0.54% | 0.85% | 0.33% | 0.23% | 0.17% | 0.54% | -31 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 | 0.40% | 0.43% | 0.37% | 0.36% | 0.09% | 0.35% | 0.29% | 0.27% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.29% | 10.81% | 10.10% | 9.39% | 11.49% | 10.35% | 10.17% | 10.48% | +109 bps | |
| Net Worth / Assets | 12.29% | 10.81% | 10.10% | 9.39% | 11.49% | 10.35% | 10.17% | 10.48% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.24% | 53.68% | 50.03% | 47.39% | 61.71% | 63.44% | 73.02% | 78.31% | +3,091 bps | |
| Liquid Assets / Assets | 37.50% | 47.04% | 52.14% | 52.80% | 41.26% | 39.09% | 30.13% | 26.53% | -2,627 bps | |