Butler, PA · Charter 5480
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.41% | 1.41% | 0.96% | -0.61% | 1.11% | -4.57% | -4.17% | -513 bps | |
| Return on Equity | 8.15% | 7.88% | 7.34% | 4.81% | -3.13% | 5.78% | -28.16% | -24.36% | -2,917 bps | |
| Net Interest Margin | 3.64% | 3.62% | 3.91% | 3.75% | 2.18% | 3.96% | -1.72% | -0.36% | -411 bps | |
| Efficiency Ratio | 62.09% | 61.35% | 64.37% | 74.54% | 127.35% | 72.84% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | -1.47% | -8.56% | -5.98% | -9.00% | -2.58% | -2.17% | -6.21% | -23 bps | |
| Loan Growth (YoY) | -0.77% | 0.50% | 2.30% | 14.54% | 20.92% | 22.58% | 8.32% | 6.92% | -762 bps | |
| Share Growth (YoY) | 0.63% | -3.03% | -11.59% | -8.94% | -11.26% | -3.97% | 1.49% | -2.31% | +663 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.00% | 0.00% | 0.47% | 0.00% | 0.06% | 0.00% | 0.00% | -47 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 | 1.68% | 1.31% | 1.18% | 1.13% | 0.81% | 1.17% | 1.17% | 1.11% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.08% | 17.86% | 19.16% | 20.07% | 19.37% | 19.21% | 16.23% | 17.12% | -295 bps | |
| Net Worth / Assets | 17.08% | 17.86% | 19.16% | 20.07% | 19.37% | 19.21% | 16.23% | 17.12% | -295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.31% | 45.50% | 54.90% | 61.99% | 61.75% | 58.08% | 58.60% | 67.85% | +586 bps | |
| Liquid Assets / Assets | 61.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |