Ambridge, PA · Charter 3216
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.02% | -3.14% | -0.80% | -0.69% | -0.60% | 0.64% | -11.41% | -1,061 bps | |
| Return on Equity | 4.52% | 0.09% | -14.74% | -3.70% | -3.17% | -2.87% | 3.07% | -72.25% | -6,855 bps | |
| Net Interest Margin | 5.38% | 4.45% | 4.10% | 4.30% | 4.08% | 4.03% | 3.96% | 4.22% | -8 bps | |
| Efficiency Ratio | 81.39% | 99.57% | 99.30% | 90.01% | 95.59% | 98.82% | 83.91% | 114.99% | +2,498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.66% | -11.24% | -4.95% | -3.53% | -3.30% | -0.91% | 4.38% | -12.27% | -874 bps | |
| Loan Growth (YoY) | -13.53% | -8.11% | -25.47% | -10.37% | -10.24% | 20.43% | 27.21% | 17.49% | +2,786 bps | |
| Share Growth (YoY) | -14.42% | -13.05% | -5.03% | -3.34% | -2.81% | 0.57% | 5.46% | -5.79% | -245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.46% | 18.91% | 16.88% | 15.08% | 11.56% | 21.13% | 20.02% | +315 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 | 5.94% | 6.61% | 7.49% | 7.08% | 6.62% | 5.49% | 5.88% | 22.34% | +1,526 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.16% | 21.45% | 21.29% | 21.57% | 21.64% | 21.05% | 20.71% | 15.79% | -578 bps | |
| Net Worth / Assets | 22.16% | 21.45% | 21.29% | 21.57% | 21.64% | 21.05% | 20.71% | 15.79% | -578 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.42% | 48.98% | 44.14% | 46.52% | 50.25% | 58.65% | 53.24% | 58.02% | +1,150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |