Greensburg, PA · Charter 65352
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Greensburg, PA · Charter 65352
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.56% | 0.73% | 0.73% | 0.63% | 0.40% | -4.94% | -7.91% | -864 bps | |
| Return on Equity | 2.24% | 2.62% | 3.20% | 3.05% | 2.64% | 1.64% | -22.95% | -42.90% | -4,595 bps | |
| Net Interest Margin | 3.80% | 4.21% | 4.61% | 4.62% | 4.29% | 4.53% | 3.48% | 3.15% | -147 bps | |
| Efficiency Ratio | 75.58% | 72.57% | 68.60% | 68.98% | 70.27% | 72.58% | 120.44% | 181.23% | +11,225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.47% | -12.68% | -12.98% | -13.72% | -13.12% | -9.14% | -8.45% | -9.28% | +444 bps | |
| Loan Growth (YoY) | -9.14% | -1.47% | 2.37% | 0.40% | 3.57% | 1.62% | -0.69% | -3.37% | -377 bps | |
| Share Growth (YoY) | -10.92% | -16.12% | -17.02% | -17.85% | -17.23% | -12.15% | -6.60% | -3.19% | +1,466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.81% | 4.46% | 3.12% | 4.01% | 3.47% | 3.25% | 1.35% | 0.99% | -302 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 | 2.72% | 2.58% | 2.48% | 2.86% | 3.10% | 3.44% | 8.44% | 12.22% | +936 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.94% | 21.43% | 22.93% | 23.89% | 23.70% | 24.22% | 21.51% | 18.44% | -545 bps | |
| Net Worth / Assets | 19.94% | 21.43% | 22.93% | 23.89% | 23.70% | 24.22% | 21.51% | 18.44% | -545 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.49% | 59.60% | 65.34% | 66.48% | 66.93% | 68.94% | 69.48% | 66.35% | -13 bps | |
| Liquid Assets / Assets | 47.08% | 36.77% | 36.78% | 35.68% | 28.57% | 0.00% | 0.00% | 0.00% | -3,568 bps | |