Elkins Park, PA · Charter 6367
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 | -0.26% | 0.07% | -0.34% | -0.33% | -0.09% | -0.01% | 0.36% | 0.06% | +39 bps | |
| Return on Equity | -2.11% | 0.56% | -2.73% | -2.65% | -0.71% | -0.06% | 2.51% | 0.41% | +306 bps | |
| Net Interest Margin | 3.56% | 3.65% | 3.81% | 1.26% | 3.88% | 4.17% | 4.35% | 4.89% | +363 bps | |
| Efficiency Ratio | 109.18% | 99.91% | 100.91% | 124.37% | 102.13% | 100.18% | 92.31% | 98.84% | -2,553 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.62% | -3.90% | -5.37% | -5.16% | -6.97% | -10.81% | -10.78% | -12.51% | -734 bps | |
| Loan Growth (YoY) | -4.74% | -4.26% | 0.31% | -1.31% | -2.17% | 1.73% | -2.11% | -0.79% | +51 bps | |
| Share Growth (YoY) | -4.87% | -3.59% | -5.62% | -5.73% | -7.48% | -12.08% | -12.99% | -15.03% | -929 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 2.46% | 2.42% | 1.88% | 1.36% | 1.46% | 9.06% | 1.95% | +7 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 | 0.99% | 1.11% | 1.39% | 1.25% | 1.59% | 1.59% | 1.32% | 0.58% | -67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.11% | 12.55% | 12.56% | 12.44% | 12.76% | 13.71% | 14.53% | 14.81% | +237 bps | |
| Net Worth / Assets | 12.11% | 12.55% | 12.56% | 12.44% | 12.76% | 13.71% | 14.53% | 14.81% | +237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.57% | 47.90% | 50.17% | 47.80% | 50.30% | 55.42% | 56.44% | 55.81% | +801 bps | |
| Liquid Assets / Assets | 47.17% | 48.91% | 52.43% | 52.62% | 51.60% | 50.41% | 49.86% | 50.35% | -227 bps | |