Roslyn, PA · Charter 24685
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.43% | 0.37% | 0.43% | 0.24% | 0.77% | -33.79% | -40.35% | -4,079 bps | |
| Return on Equity | 20.87% | 20.21% | 16.30% | 18.35% | 10.89% | 35.59% | n/a | n/a | n/a | |
| Net Interest Margin | 3.61% | 3.45% | 3.64% | 3.49% | 2.89% | 2.00% | 2.76% | 2.99% | -49 bps | |
| Efficiency Ratio | 70.93% | 87.26% | 89.89% | 88.09% | 92.14% | 49.60% | 260% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.28% | -8.92% | -13.15% | -5.76% | 0.46% | 7.48% | -15.65% | -28.44% | -2,268 bps | |
| Loan Growth (YoY) | -12.12% | -5.40% | -11.77% | -5.49% | 2.96% | 7.88% | -9.11% | -20.57% | -1,508 bps | |
| Share Growth (YoY) | -5.71% | -9.39% | -13.41% | -5.94% | 0.51% | 7.23% | -1.48% | -20.46% | -1,452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.76% | 12.40% | 11.27% | 10.21% | 10.77% | 13.94% | 14.59% | 20.06% | +985 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 | 0.79% | 0.75% | 0.76% | 0.67% | 0.66% | 0.55% | 5.17% | 7.79% | +711 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 1.95% | 2.13% | 2.29% | 2.37% | 2.17% | 2.17% | -14.27% | -27.27% | -2,963 bps | |
| Net Worth / Assets | 1.95% | 2.13% | 2.29% | 2.37% | 2.17% | 2.17% | -14.27% | -27.27% | -2,963 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.24% | 86.37% | 89.34% | 90.50% | 87.32% | 86.88% | 82.42% | 90.38% | -12 bps | |
| Liquid Assets / Assets | 12.73% | 11.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |