Sayre, PA · Charter 22541
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -1.06% | -0.57% | -0.45% | -0.19% | -0.69% | -0.43% | -0.32% | +13 bps | |
| Return on Equity | 2.12% | -11.68% | -7.05% | -5.55% | -2.25% | -8.22% | -5.62% | -4.36% | +119 bps | |
| Net Interest Margin | 3.90% | 4.05% | 3.17% | 3.70% | 4.54% | 4.74% | 3.89% | 1.74% | -196 bps | |
| Efficiency Ratio | 95.39% | 102.26% | 113.52% | 106.61% | 89.91% | 89.63% | 97.42% | 110.40% | +378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.18% | -2.98% | -1.82% | -1.59% | -0.23% | 0.50% | -1.28% | 0.85% | +244 bps | |
| Loan Growth (YoY) | -13.18% | -13.77% | -19.14% | -3.03% | 2.38% | 2.40% | 0.81% | -89.71% | -8,668 bps | |
| Share Growth (YoY) | -4.33% | -2.09% | -0.68% | -0.23% | 0.86% | 1.25% | -0.78% | 1.74% | +197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.81% | 7.16% | 8.04% | 4.16% | 2.69% | 2.80% | 3.29% | 8.51% | +435 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 | 0.57% | 2.14% | 1.94% | 0.27% | 1.02% | 1.59% | 1.94% | 4.93% | +466 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.46% | 9.09% | 8.05% | 8.08% | 8.47% | 8.42% | 7.62% | 7.37% | -70 bps | |
| Net Worth / Assets | 9.46% | 9.09% | 8.05% | 8.08% | 8.47% | 8.42% | 7.62% | 7.37% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.14% | 63.27% | 54.14% | 57.89% | 62.06% | 63.99% | 55.01% | 5.85% | -5,204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |