Glenshaw, PA · Charter 21812
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Glenshaw, PA · Charter 21812
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.49% | -0.46% | -0.90% | -1.02% | -2.08% | -2.20% | -5.31% | -440 bps | |
| Return on Equity | 2.30% | 1.86% | -1.76% | -3.46% | -3.88% | -7.84% | -8.32% | -21.28% | -1,783 bps | |
| Net Interest Margin | 2.45% | 2.35% | 0.65% | -0.60% | -0.34% | 1.35% | 1.42% | -0.86% | -26 bps | |
| Efficiency Ratio | 78.72% | 79.35% | 131.80% | 191.46% | 216% | 131.08% | 135.85% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.28% | -8.01% | -13.57% | -13.18% | -10.68% | -7.52% | -6.56% | -10.85% | +234 bps | |
| Loan Growth (YoY) | -6.94% | -20.11% | -33.05% | -38.88% | -37.76% | -36.74% | -37.59% | -38.33% | +55 bps | |
| Share Growth (YoY) | -1.39% | -11.34% | -18.52% | -18.16% | -13.31% | -8.37% | -5.91% | -6.93% | +1,123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 3.58% | 9.63% | 13.30% | 15.93% | 15.07% | 14.77% | 6.55% | -674 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 | 3.29% | 3.47% | 3.57% | 3.77% | 4.26% | 3.94% | 4.93% | 6.04% | +227 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.45% | 26.14% | 26.48% | 26.10% | 26.36% | 26.56% | 26.42% | 24.93% | -117 bps | |
| Net Worth / Assets | 24.45% | 26.14% | 26.48% | 26.10% | 26.36% | 26.56% | 26.42% | 24.93% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.19% | 55.51% | 50.93% | 47.53% | 42.50% | 38.33% | 33.78% | 31.50% | -1,603 bps | |
| Liquid Assets / Assets | 54.37% | 57.97% | 61.71% | 64.81% | 68.30% | 71.29% | 0.00% | 0.00% | -6,481 bps | |