N. Huntingdon, PA · Charter 60320
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.57% | 0.55% | 0.53% | 1.59% | 1.03% | 1.19% | 1.19% | +66 bps | |
| Return on Equity | -0.26% | 2.52% | 2.46% | 2.20% | 6.25% | 3.96% | 4.07% | 3.65% | +145 bps | |
| Net Interest Margin | 2.13% | 2.33% | 2.32% | 2.54% | 3.12% | 3.21% | 3.85% | 4.20% | +166 bps | |
| Efficiency Ratio | 102.56% | 76.67% | 77.34% | 80.12% | 49.97% | 47.18% | 40.78% | 42.14% | -3,798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | -2.16% | -3.16% | -5.20% | -9.26% | -10.91% | -20.36% | -23.93% | -1,873 bps | |
| Loan Growth (YoY) | -9.75% | -4.24% | -7.11% | -7.66% | -12.81% | -15.49% | -24.12% | -34.88% | -2,722 bps | |
| Share Growth (YoY) | 1.76% | -2.30% | -3.67% | -7.46% | -13.11% | -15.03% | -27.36% | -32.33% | -2,486 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.25% | 10.62% | 12.49% | 14.24% | 12.43% | 9.26% | 9.97% | 4.66% | -958 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 | 6.50% | 2.01% | 2.90% | 4.10% | 4.34% | 6.28% | 9.34% | 4.28% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.14% | 22.52% | 22.50% | 23.90% | 25.36% | 26.04% | 29.25% | 32.61% | +871 bps | |
| Net Worth / Assets | 22.14% | 22.52% | 22.50% | 23.90% | 25.36% | 26.04% | 29.25% | 32.61% | +871 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.30% | 26.37% | 26.25% | 26.25% | 26.39% | 26.23% | 27.41% | 25.25% | -99 bps | |
| Liquid Assets / Assets | 27.82% | 20.97% | 25.82% | 32.28% | 15.41% | 0.00% | 0.00% | 0.00% | -3,228 bps | |