Harrisburg, PA · Cert 35204
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Harrisburg, PA · Cert 35204
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.68% | 0.75% | 0.51% | 0.45% | 0.47% | 0.28% | 0.48% | -2 bps | |
| Return on Equity | 5.31% | 6.00% | 6.70% | 4.68% | 4.28% | 4.56% | 2.70% | 4.82% | +13 bps | |
| Net Interest Margin | 3.42% | 3.52% | 3.29% | 3.11% | 3.11% | 3.04% | 3.06% | 3.38% | +26 bps | |
| Efficiency Ratio | 81.90% | 80.76% | 78.65% | 78.16% | 79.60% | 77.66% | 79.53% | 76.93% | -123 bps | |
| Non-Interest Burden | 2.71% | 2.75% | 2.48% | 2.28% | 2.37% | 2.27% | 2.35% | 2.51% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.87% | 8.42% | 11.09% | 12.79% | 22.00% | 19.71% | 8.28% | 8.59% | -420 bps | |
| Loan Growth (YoY) | 19.98% | 14.20% | 9.97% | 9.45% | 21.45% | 14.24% | 15.15% | 15.12% | +567 bps | |
| Deposit Growth (YoY) | 15.00% | 2.86% | 1.83% | 13.83% | 28.65% | 17.03% | 15.75% | -5.67% | -1,950 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 | 0.34% | 0.24% | 0.31% | 0.13% | 0.31% | 0.29% | 0.26% | 0.31% | +18 bps | |
| Allowance / Loans | 1.47% | 1.40% | 1.37% | 1.34% | 1.17% | 1.15% | 1.15% | 1.10% | -24 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 | 15.61% | 14.95% | 14.66% | 14.47% | 13.62% | 12.80% | 12.70% | 12.71% | -176 bps | |
| Equity / Assets | 11.45% | 11.29% | 10.85% | 10.81% | 10.20% | 9.55% | 9.95% | 10.11% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.31% | 100.68% | 103.28% | 94.41% | 93.76% | 98.27% | 102.74% | 115.22% | +2,081 bps | |
| Liquid Assets / Assets | 4.32% | 3.92% | 3.57% | 3.39% | 3.03% | 2.64% | 2.61% | 2.43% | -95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |