Kingston, PA · Charter 5543
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.
Kingston, PA · Charter 5543
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.51% | 0.00% | 0.44% | 0.27% | 0.28% | -1.25% | 0.42% | -1 bps | |
| Return on Equity | 2.01% | 1.98% | 0.00% | 1.66% | 0.95% | 0.99% | -4.45% | 1.43% | -23 bps | |
| Net Interest Margin | 5.15% | 5.25% | 5.31% | 5.30% | 5.47% | 5.63% | 5.91% | 6.10% | +79 bps | |
| Efficiency Ratio | 90.43% | 90.37% | 93.59% | 90.23% | 93.59% | 92.00% | 92.97% | 89.62% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.17% | -6.87% | -5.92% | -7.98% | -13.08% | -12.04% | -13.30% | -15.22% | -724 bps | |
| Loan Growth (YoY) | -2.92% | -9.03% | -9.63% | -14.56% | -10.74% | -6.99% | -8.79% | -13.44% | +112 bps | |
| Share Growth (YoY) | -11.77% | -9.13% | -7.67% | -10.50% | -17.21% | -15.92% | -16.24% | -19.16% | -865 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.98% | 9.50% | 1.57% | 2.48% | 3.65% | 3.07% | 8.29% | 7.64% | +516 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 | 4.01% | 4.46% | 1.22% | 0.43% | 1.07% | 0.84% | 2.11% | 2.59% | +216 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.58% | 25.52% | 25.49% | 26.26% | 28.12% | 28.80% | 28.15% | 29.64% | +338 bps | |
| Net Worth / Assets | 24.58% | 25.52% | 25.49% | 26.26% | 28.12% | 28.80% | 28.15% | 29.64% | +338 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.88% | 66.17% | 65.05% | 63.68% | 72.10% | 73.19% | 70.84% | 68.19% | +450 bps | |
| Liquid Assets / Assets | 50.51% | 50.71% | 50.29% | 51.18% | 46.43% | 46.09% | 48.10% | 51.09% | -8 bps | |