Stroudsburg, PA · Cert 34509
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.90% | 0.85% | 0.86% | 0.77% | 0.55% | 0.55% | 0.57% | -29 bps | |
| Return on Equity | 10.34% | 8.74% | 8.17% | 8.17% | 7.33% | 5.14% | 5.09% | 5.17% | -300 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.34% | 3.28% | 3.19% | 2.97% | 3.04% | 3.03% | -25 bps | |
| Efficiency Ratio | 59.03% | 64.45% | 66.21% | 65.76% | 68.68% | 75.14% | 74.79% | 74.54% | +878 bps | |
| Non-Interest Burden | 1.88% | 2.11% | 2.08% | 2.02% | 2.07% | 2.13% | 2.17% | 2.15% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 7.04% | 2.52% | -4.34% | 5.24% | 5.57% | 6.00% | -0.86% | +348 bps | |
| Loan Growth (YoY) | 13.49% | 11.29% | 11.56% | 9.60% | 6.61% | 5.01% | 4.35% | 4.65% | -495 bps | |
| Deposit Growth (YoY) | 4.99% | 6.01% | 2.79% | -5.18% | 4.98% | 6.95% | 5.46% | -2.12% | +306 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% | 0.01% | 0.00% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.21% | 1.22% | 1.23% | 1.23% | 1.22% | 1.21% | -1 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 | 16.03% | 16.43% | 16.47% | 16.61% | 15.30% | 15.57% | 15.87% | 17.42% | +81 bps | |
| Equity / Assets | 9.97% | 10.61% | 10.53% | 10.93% | 10.36% | 10.93% | 10.92% | 11.99% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.85% | 90.39% | 89.37% | 91.59% | 88.20% | 88.75% | 88.42% | 97.93% | +634 bps | |
| Liquid Assets / Assets | 0.76% | 0.10% | 0.08% | 0.22% | 4.33% | 0.15% | 0.11% | 0.05% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |