Sharpsburg, PA · Cert 28416
FDIC
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.34% | -0.38% | -0.39% | -0.38% | -1.38% | -4.46% | -3.28% | -289 bps | |
| Return on Equity | 1.20% | -2.29% | -2.56% | -2.62% | -2.55% | -9.18% | -31.10% | -23.49% | -2,087 bps | |
| Net Interest Margin | 2.46% | 1.84% | 1.70% | 1.67% | 1.67% | 1.92% | 1.70% | 1.52% | -15 bps | |
| Efficiency Ratio | 88.37% | 111.90% | 118.97% | 121.53% | 124.43% | 162.60% | 316% | 279% | +15,713 bps | |
| Non-Interest Burden | 2.16% | 2.07% | 2.03% | 2.04% | 2.10% | 3.17% | 5.59% | 4.41% | +237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | 0.87% | 2.70% | 2.88% | -5.57% | -5.93% | -4.58% | -4.07% | -695 bps | |
| Loan Growth (YoY) | 1.51% | -8.07% | 7.76% | 17.54% | 33.54% | 31.96% | 25.92% | -5.45% | -2,299 bps | |
| Deposit Growth (YoY) | 2.30% | 1.06% | 3.45% | 4.06% | -5.92% | -6.26% | -4.27% | -3.48% | -754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.52% | 1.56% | 1.60% | 1.27% | 1.14% | 1.18% | 1.27% | 1.34% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 67.53% | 67.79% | 67.54% | 68.12% | 71.53% | 70.56% | 62.11% | 61.82% | -630 bps | |
| Equity / Assets | 14.77% | 14.66% | 14.62% | 14.71% | 15.24% | 14.91% | 12.90% | 12.79% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 14.00% | 13.57% | 13.28% | 16.96% | 19.87% | 19.10% | 17.46% | 16.62% | -35 bps | |
| Liquid Assets / Assets | 84.65% | 85.08% | 85.78% | 82.55% | 80.25% | 80.61% | 82.51% | 83.44% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |