Auburn, PA · Charter 24215
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Auburn, PA · Charter 24215
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 0.38% | 0.27% | 3.27% | 0.33% | 1.70% | 0.68% | 2.76% | -50 bps | |
| Return on Equity | 10.33% | 2.36% | 1.61% | 18.61% | 1.91% | 9.12% | 3.68% | 14.83% | -378 bps | |
| Net Interest Margin | 3.23% | 2.23% | 1.96% | 3.41% | 1.88% | 2.55% | 2.18% | 2.97% | -43 bps | |
| Efficiency Ratio | 51.88% | 59.52% | 57.95% | 10.99% | 61.68% | 15.77% | 52.56% | 12.98% | +199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.72% | 7.43% | 0.24% | -12.38% | -10.18% | -8.76% | -5.79% | -2.13% | +1,025 bps | |
| Loan Growth (YoY) | -1.14% | -19.61% | -24.01% | -28.46% | -30.69% | 2.28% | 29.57% | 37.84% | +6,629 bps | |
| Share Growth (YoY) | 14.80% | 9.16% | 0.77% | -14.16% | -11.43% | -11.77% | -7.28% | -3.40% | +1,076 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.97% | 5.90% | 6.17% | 18.16% | 6.36% | 0.00% | 8.13% | 4.55% | -1,361 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 | 10.06% | 11.57% | 12.80% | 13.94% | 16.31% | 13.72% | 11.33% | 11.59% | -234 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.78% | 15.92% | 16.80% | 17.57% | 17.57% | 18.69% | 18.52% | 18.63% | +107 bps | |
| Net Worth / Assets | 15.78% | 15.92% | 16.80% | 17.57% | 17.57% | 18.69% | 18.52% | 18.63% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.77% | 23.83% | 24.47% | 23.60% | 20.17% | 27.63% | 34.19% | 33.68% | +1,008 bps | |
| Liquid Assets / Assets | 80.01% | 81.66% | 81.68% | 82.57% | 85.40% | 78.73% | 74.42% | 74.90% | -768 bps | |