Beaver, PA · Charter 24261
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 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.
Beaver, PA · Charter 24261
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.56% | 0.72% | 0.83% | 0.99% | 1.10% | 1.11% | 2.37% | +155 bps | |
| Return on Equity | 3.94% | 4.63% | 5.74% | 5.83% | 6.61% | 7.09% | 6.66% | 13.48% | +765 bps | |
| Net Interest Margin | 2.67% | 2.61% | 2.70% | 3.00% | 3.32% | 3.75% | 3.67% | 2.70% | -30 bps | |
| Efficiency Ratio | 82.11% | 78.64% | 73.55% | 70.11% | 70.01% | 70.86% | 69.78% | 53.95% | -1,615 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | 0.72% | 1.54% | -7.41% | -12.50% | -16.36% | -16.66% | -15.82% | -841 bps | |
| Loan Growth (YoY) | 9.80% | 3.37% | -0.74% | -15.36% | -7.78% | 1.51% | -3.39% | 6.45% | +2,181 bps | |
| Share Growth (YoY) | -2.97% | 2.16% | 0.92% | -9.62% | -14.06% | -21.08% | -19.70% | -17.07% | -746 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.16% | 22.81% | 1.79% | 1.48% | 1.03% | 4.27% | 21.45% | 8.71% | +723 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 | 0.01% | 0.03% | 0.04% | 0.18% | 0.19% | 0.21% | 0.22% | 0.00% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.18% | 12.06% | 12.48% | 14.21% | 15.06% | 15.52% | 16.75% | 17.61% | +341 bps | |
| Net Worth / Assets | 12.18% | 12.06% | 12.48% | 14.21% | 15.06% | 15.52% | 16.75% | 17.61% | +341 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.83% | 26.98% | 28.56% | 33.29% | 35.23% | 34.71% | 34.36% | 42.74% | +945 bps | |
| Liquid Assets / Assets | 24.38% | 31.62% | 29.42% | 21.20% | 18.69% | 17.48% | 18.14% | 7.75% | -1,345 bps | |