Boyertown, PA · Charter 63037
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.96% | 1.27% | 1.25% | 0.81% | 0.92% | 1.05% | -3.87% | -513 bps | |
| Return on Equity | 4.29% | 4.43% | 5.72% | 5.52% | 3.53% | 3.73% | 3.63% | -10.75% | -1,627 bps | |
| Net Interest Margin | 3.22% | 3.36% | 3.46% | 3.47% | 3.39% | 3.48% | 4.03% | 4.55% | +108 bps | |
| Efficiency Ratio | 71.74% | 71.42% | 71.76% | 71.72% | 76.09% | 73.70% | 74.04% | 104.69% | +3,298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.69% | 2.37% | 3.44% | 3.06% | -2.29% | -6.96% | -19.75% | -43.13% | -4,619 bps | |
| Loan Growth (YoY) | -4.74% | -4.14% | -9.86% | -10.60% | -5.92% | -13.35% | -15.43% | -24.33% | -1,373 bps | |
| Share Growth (YoY) | 4.54% | 1.63% | 2.84% | 2.26% | -4.61% | -10.44% | -26.66% | -53.25% | -5,551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.40% | 5.35% | 4.00% | 2.17% | 3.19% | 1.92% | 0.58% | 11.43% | +926 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 | 2.35% | 2.17% | 1.52% | 1.45% | 1.50% | 1.54% | 1.66% | 9.70% | +825 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.22% | 21.65% | 22.22% | 22.70% | 22.94% | 24.54% | 28.83% | 36.04% | +1,334 bps | |
| Net Worth / Assets | 21.22% | 21.65% | 22.22% | 22.70% | 22.94% | 24.54% | 28.83% | 36.04% | +1,334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.72% | 50.20% | 48.23% | 46.41% | 45.09% | 48.57% | 55.62% | 75.12% | +2,871 bps | |
| Liquid Assets / Assets | 26.02% | 32.28% | 29.79% | 29.01% | 31.62% | 20.91% | 15.85% | 31.97% | +297 bps | |