Nesquehoning, PA · Cert 31280
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.32% | 0.34% | 0.33% | 0.32% | 0.48%1 | 0.39% | -0.10% | -44 bps | |
| Return on Equity | 4.39% | 2.58% | 2.79% | 2.78% | 2.73% | 4.30% | 3.59% | -0.96% | -373 bps | |
| Net Interest Margin | 2.57% | 2.43% | 2.29% | 2.19% | 2.18% | 2.06% | 2.02% | 2.15% | -4 bps | |
| Efficiency Ratio | 81.92% | 87.11% | 85.97% | 85.93% | 86.20% | 91.24% | 88.19% | 86.32% | +39 bps | |
| Non-Interest Burden | 2.07% | 2.09% | 1.94% | 1.86% | 1.85% | 1.87% | 1.75% | 1.83% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.81% | 6.33% | 13.64% | 17.99% | 15.12% | 15.19% | 10.55% | -2.71% | -2,070 bps | |
| Loan Growth (YoY) | 9.59% | 6.47% | 6.73% | 5.65% | 9.46% | 7.83% | 3.03% | 1.08% | -457 bps | |
| Deposit Growth (YoY) | 2.81% | 5.04% | 13.93% | 14.95% | 16.56% | 18.15% | 12.71% | 5.58% | -936 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% | 0.13% | 0.09% | +9 bps | |
| Allowance / Loans | 0.62% | 0.61% | 0.60% | 0.59% | 0.57% | 0.57% | 0.52% | 0.52% | -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 | 24.34% | 23.76% | 23.29% | 22.43% | 22.18% | 21.44% | 21.41% | 23.14% | +72 bps | |
| Equity / Assets | 12.66% | 12.23% | 11.56% | 11.35% | 11.43% | 10.72% | 10.49% | 11.24% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.49% | 91.49% | 84.63% | 84.32% | 86.85% | 83.50% | 77.36% | 80.73% | -360 bps | |
| Liquid Assets / Assets | 13.02% | 15.54% | 17.85% | 15.30% | 15.21% | 18.17% | 21.95% | 16.30% | +100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |