Reynoldsville, PA · Charter 24480
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 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.
Reynoldsville, PA · Charter 24480
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.96% | 0.47% | 0.23% | 0.31% | 0.28% | 0.00% | -0.96% | -119 bps | |
| Return on Equity | 9.90% | 9.30% | 4.39% | 2.19% | 2.77% | 2.42% | 0.00% | -9.03% | -1,123 bps | |
| Net Interest Margin | 1.99% | 1.97% | 1.47% | 1.49% | 1.57% | 1.53% | 0.66% | 0.21% | -128 bps | |
| Efficiency Ratio | 49.05% | 49.42% | 68.62% | 69.71% | 69.20% | 72.92% | 100.00% | 257% | +18,717 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.55% | 9.33% | 1.60% | -2.30% | -7.48% | -8.78% | -2.92% | -2.50% | -20 bps | |
| Loan Growth (YoY) | 12.44% | 10.56% | 6.44% | 0.37% | -5.11% | -5.32% | -5.77% | -7.02% | -739 bps | |
| Share Growth (YoY) | 5.92% | -0.17% | -3.60% | -4.62% | -3.98% | -1.83% | 0.45% | 1.14% | +576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.90% | 1.89% | 1.59% | 1.59% | 1.47% | 1.20% | 0.90% | 1.43% | -17 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 | 0.19% | 0.20% | 0.20% | 0.19% | 0.23% | 0.28% | 0.28% | 0.27% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.92% | 10.27% | 10.69% | 10.69% | 11.17% | 11.54% | 11.16% | 10.63% | -6 bps | |
| Net Worth / Assets | 9.92% | 10.27% | 10.69% | 10.69% | 11.17% | 11.54% | 11.16% | 10.63% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.25% | 77.02% | 74.54% | 74.69% | 75.35% | 74.29% | 69.93% | 68.67% | -602 bps | |
| Liquid Assets / Assets | 5.92% | 29.70% | 13.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |