Reading, PA · Charter 23793
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Reading, PA · Charter 23793
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 1.16% | 0.33% | 1.45% | 0.31% | 0.59% | -3.55% | 2.91% | +146 bps | |
| Return on Equity | 4.22% | 12.42% | 3.66% | 17.06% | 3.69% | 6.80% | -59.59% | 45.62% | +2,856 bps | |
| Net Interest Margin | 4.35% | 5.34% | 4.89% | 6.13% | 4.75% | 5.13% | 6.10% | 7.19% | +106 bps | |
| Efficiency Ratio | 93.68% | 81.67% | 87.62% | 77.51% | 94.15% | 89.60% | 82.71% | 61.22% | -1,629 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.19% | 12.54% | 4.06% | 14.23% | -4.41% | 5.96% | -5.86% | -9.71% | -2,394 bps | |
| Loan Growth (YoY) | -12.03% | 15.96% | 22.67% | 15.43% | 4.39% | -5.79% | -4.47% | -6.03% | -2,147 bps | |
| Share Growth (YoY) | 32.42% | 14.58% | 3.24% | 14.61% | -5.63% | 6.46% | -2.42% | -7.37% | -2,198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.09% | 4.82% | 6.12% | 10.71% | 10.50% | 9.99% | 0.57% | 5.09% | -562 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 | 4.04% | 3.48% | 4.12% | 4.61% | 4.78% | 4.55% | 4.32% | 5.39% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.69% | 9.34% | 8.95% | 8.50% | 8.33% | 8.74% | 5.96% | 6.37% | -212 bps | |
| Net Worth / Assets | 7.69% | 9.34% | 8.95% | 8.50% | 8.33% | 8.74% | 5.96% | 6.37% | -212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.94% | 54.19% | 57.92% | 46.43% | 45.28% | 47.95% | 56.70% | 47.10% | +67 bps | |
| Liquid Assets / Assets | 60.58% | 48.99% | 46.49% | 56.52% | 0.00% | 0.00% | 0.00% | 0.00% | -5,652 bps | |