Lebanon, PA · Cert 6054
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Lebanon, PA · Cert 6054
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.66% | 1.63% | 1.62% | 1.66% | 1.67% | 1.48% | 1.53% | -9 bps | |
| Return on Equity | 23.63% | 24.46% | 27.11% | 27.06% | 27.42% | 27.10% | 22.31% | 22.95% | -412 bps | |
| Net Interest Margin | 3.55% | 3.56% | 3.49% | 3.44% | 3.51% | 3.40% | 3.25% | 3.34% | -10 bps | |
| Efficiency Ratio | 48.47% | 48.05% | 47.04% | 46.93% | 45.87% | 45.77% | 48.93% | 48.12% | +118 bps | |
| Non-Interest Burden | 1.16% | 1.14% | 1.06% | 1.04% | 1.03% | 0.95% | 1.07% | 1.05% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | 0.87% | 1.81% | 3.27% | 5.26% | 3.36% | 2.36% | -0.04% | -330 bps | |
| Loan Growth (YoY) | 5.58% | 4.37% | 6.74% | 9.13% | 7.00% | 3.48% | 1.60% | -2.30% | -1,143 bps | |
| Deposit Growth (YoY) | -3.33% | -0.99% | -1.06% | -0.90% | 1.71% | 0.67% | 2.06% | 2.49% | +339 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 | -0.13% | -0.10% | 0.05% | 0.03% | 0.02% | 0.03% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.02% | 1.02% | 0.97% | 0.94% | 0.94% | 0.95% | 0.94% | 0.95% | +1 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 | 11.68% | 11.31% | 11.06% | 10.82% | 11.24% | 11.51% | 11.45% | 11.59% | +77 bps | |
| Equity / Assets | 6.97% | 6.06% | 5.98% | 5.91% | 6.31% | 6.59% | 6.66% | 6.74% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.72% | 87.96% | 93.17% | 95.29% | 90.18% | 90.42% | 92.74% | 90.84% | -445 bps | |
| Liquid Assets / Assets | 0.09% | 0.04% | 0.05% | 0.11% | 0.02% | 0.01% | 0.01% | 0.01% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |