Lancaster, PA · Charter 64936
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.72% | -2.21% | -1.45% | -0.96% | 0.53% | 0.48% | 0.59% | 0.66% | +162 bps | |
| Return on Equity | -136.04% | -60.38% | -35.90% | -23.46% | 11.93% | 10.42% | 11.67% | 13.19% | +3,664 bps | |
| Net Interest Margin | 6.06% | 6.34% | 6.85% | 6.79% | 7.01% | 7.14% | 7.56% | 7.01% | +22 bps | |
| Efficiency Ratio | 80.91% | 84.47% | 84.96% | 84.17% | 90.03% | 90.99% | 90.26% | 88.60% | +443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.06% | -9.40% | -5.82% | -5.69% | -12.03% | -11.15% | -10.54% | -6.18% | -49 bps | |
| Loan Growth (YoY) | -17.15% | -13.30% | -4.20% | -3.26% | 1.05% | -1.09% | -6.52% | -5.29% | -203 bps | |
| Share Growth (YoY) | -4.88% | -7.07% | -4.86% | -4.73% | -12.74% | -11.88% | -11.54% | -7.18% | -246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.71% | 1.91% | 1.43% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 1.91% | 1.79% | 2.02% | 2.07% | 2.20% | 2.05% | 1.86% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.47% | 3.67% | 4.05% | 4.10% | 4.41% | 4.59% | 5.10% | 5.03% | +93 bps | |
| Net Worth / Assets | 3.47% | 3.67% | 4.05% | 4.10% | 4.41% | 4.59% | 5.10% | 5.03% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.96% | 76.72% | 87.56% | 82.99% | 85.64% | 86.11% | 92.53% | 84.68% | +169 bps | |
| Liquid Assets / Assets | 24.61% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |