New Brighton, PA · Charter 22372
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 0.88% | 1.00% | 0.57% | 0.89% | 1.35% | 0.12% | 0.62% | +6 bps | |
| Return on Equity | 9.04% | 6.29% | 7.05% | 3.69% | 6.13% | 9.14% | 0.80% | 3.80% | +11 bps | |
| Net Interest Margin | 4.68% | 4.44% | 4.56% | 4.52% | 4.50% | 4.50% | 4.35% | 4.56% | +4 bps | |
| Efficiency Ratio | 72.11% | 76.99% | 78.09% | 87.49% | 80.13% | 70.06% | 97.25% | 77.30% | -1,019 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.00% | -5.21% | 16.17% | 0.20% | 4.27% | -0.85% | -2.37% | -3.18% | -338 bps | |
| Loan Growth (YoY) | -17.66% | -9.55% | 2.93% | 12.14% | 25.59% | 3.40% | -4.32% | -17.33% | -2,947 bps | |
| Share Growth (YoY) | -12.57% | -6.96% | 17.78% | -0.80% | 4.11% | -2.04% | -3.45% | -4.12% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.21% | 12.60% | 11.45% | 10.68% | 12.17% | 13.14% | 13.38% | 14.22% | +353 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 | 0.00% | 0.17% | 0.23% | 0.44% | 0.24% | 0.51% | 0.75% | 0.92% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.46% | 13.91% | 14.17% | 15.31% | 14.58% | 14.75% | 14.93% | 16.44% | +113 bps | |
| Net Worth / Assets | 14.46% | 13.91% | 14.17% | 15.31% | 14.58% | 14.75% | 14.93% | 16.44% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.33% | 50.60% | 54.50% | 63.91% | 58.31% | 53.41% | 54.01% | 55.11% | -880 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |