Sharon, PA · Charter 23870
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.38% | -1.67% | -0.35% | -0.29% | -0.55% | -0.58% | -0.26% | +10 bps | |
| Return on Equity | 9.16% | 4.63% | -23.35% | -5.16% | -4.07% | -7.47% | -8.54% | -4.07% | +109 bps | |
| Net Interest Margin | 4.77% | 4.83% | 3.66% | 3.41% | 3.48% | 3.82% | 3.16% | 3.36% | -5 bps | |
| Efficiency Ratio | 87.52% | 91.42% | 102.37% | 83.28% | 88.89% | 97.19% | 117.33% | 100.89% | +1,760 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.10% | 9.64% | 8.85% | 7.25% | 8.37% | 3.67% | 1.38% | 0.70% | -656 bps | |
| Loan Growth (YoY) | -20.33% | -21.56% | -23.35% | -22.34% | -21.95% | -19.61% | -17.97% | -15.52% | +682 bps | |
| Share Growth (YoY) | 4.84% | 10.04% | 10.29% | 8.44% | 9.45% | 4.67% | 1.78% | 1.29% | -715 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.56% | 0.42% | 0.69% | 0.36% | 0.45% | 0.28% | 0.63% | -6 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 | 0.97% | 1.08% | 0.84% | 0.93% | 1.00% | 0.99% | 1.08% | 1.17% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.02% | 8.27% | 7.16% | 6.87% | 7.01% | 7.42% | 6.81% | 6.27% | -60 bps | |
| Net Worth / Assets | 8.02% | 8.27% | 7.16% | 6.87% | 7.01% | 7.42% | 6.81% | 6.27% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.21% | 66.88% | 55.94% | 48.26% | 48.65% | 51.36% | 45.09% | 40.25% | -801 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |