Lancaster, PA · Charter 64936
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Lancaster, PA · Charter 64936
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.96% | 0.53% | 0.48% | 0.59% | 0.66% | +162 bps | |
| Return on Equity | -23.46% | 11.93% | 10.42% | 11.67% | 13.19% | +3,664 bps | |
| Net Interest Margin | 6.79% | 7.01% | 7.14% | 7.56% | 7.01% | +22 bps | |
| Efficiency Ratio | 84.17% | 90.03% | 90.99% | 90.26% | 88.60% | +443 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.69% | -12.03% | -11.15% | -10.54% | -6.18% | -49 bps | |
| Loan Growth (YoY) | -3.26% | 1.05% | -1.09% | -6.52% | -5.29% | -203 bps | |
| Share Growth (YoY) | -4.73% | -12.74% | -11.88% | -11.54% | -7.18% | -246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.45% | 0.92% | 0.92% | 0.76% | 0.89% | -56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 2.07% | 2.20% | 2.05% | 1.86% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.10% | 4.41% | 4.59% | 5.10% | 5.03% | +93 bps | |
| Net Worth / Assets | 4.10% | 4.41% | 4.59% | 5.10% | 5.03% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.99% | 85.64% | 86.11% | 92.53% | 84.68% | +169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |