Homestead, PA · Charter 22721
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Homestead, PA · Charter 22721
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.06% | 0.06% | 0.07% | -0.50% | -0.66% | -0.84% | 0.31% | +25 bps | |
| Return on Equity | 0.99% | 0.68% | 0.52% | 0.69% | -5.22% | -7.78% | -8.94% | 3.61% | +292 bps | |
| Net Interest Margin | 3.81% | 3.91% | 4.18% | 3.69% | 3.80% | 3.99% | 4.48% | 4.19% | +50 bps | |
| Efficiency Ratio | 94.83% | 95.81% | 96.68% | 96.84% | 96.04% | 96.74% | 96.96% | 93.68% | -316 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -5.65% | -4.71% | -1.83% | -1.09% | -1.85% | -5.30% | -7.14% | -532 bps | |
| Loan Growth (YoY) | -1.86% | -6.48% | 1.59% | -1.22% | -6.26% | -4.26% | -5.47% | -8.46% | -724 bps | |
| Share Growth (YoY) | -6.84% | -5.26% | -6.27% | -3.02% | -1.91% | -1.53% | -3.95% | -5.98% | -296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 3.42% | 6.00% | 2.43% | 2.54% | 1.96% | 2.29% | 1.53% | -90 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 | 0.69% | 0.52% | 0.37% | 0.25% | 0.47% | 0.72% | 0.95% | 0.57% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 8.86% | 10.60% | 9.57% | 9.55% | 8.53% | 9.35% | 8.67% | -90 bps | |
| Net Worth / Assets | 8.80% | 8.86% | 10.60% | 9.57% | 9.55% | 8.53% | 9.35% | 8.67% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.87% | 59.66% | 66.45% | 57.02% | 57.21% | 58.00% | 65.41% | 55.51% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |