Blue Ball, PA · Cert 57839
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.29% | 1.78% | -3.59% | -1.29% | -45.31% | -3.21% | -499 bps | |
| Return on Equity | n/a | 1.94% | -3.71% | -1.33% | -46.39% | -3.31% | -525 bps | |
| Net Interest Margin | -0.22% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | +6 bps | |
| Efficiency Ratio | 94.98% | 96.95% | 111.98% | 104.82% | 554% | 307% | +21,003 bps | |
| Non-Interest Burden | n/a | -1.20% | 3.76% | 1.60% | 71.83% | 11.78% | +1,297 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 257% | -88.79% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 105.73% | 88.53% | 106.36% | 106.23% | 138.86% | 417% | +32,808 bps | |
| Equity / Assets | 72.09% | 97.45% | 95.78% | 98.57% | 96.84% | 98.15% | +70 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |