Harrisburg, PA · Charter 65354
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.36% | 0.41% | 0.56% | 0.54% | 0.52% | 0.55% | -4.15% | -472 bps | |
| Return on Equity | 2.28% | 2.77% | 3.16% | 4.32% | 4.17% | 3.87% | 3.92% | -31.41% | -3,573 bps | |
| Net Interest Margin | 5.22% | 5.27% | 5.40% | 4.99% | 4.93% | 5.16% | 5.32% | 5.02% | +3 bps | |
| Efficiency Ratio | 83.86% | 81.99% | 80.58% | 83.45% | 80.17% | 80.24% | 76.67% | 104.87% | +2,143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | -0.15% | 0.66% | 1.83% | 2.18% | -0.61% | -3.02% | -5.72% | -756 bps | |
| Loan Growth (YoY) | -9.30% | -13.62% | -16.52% | -13.11% | -9.73% | -5.84% | -1.52% | -1.71% | +1,139 bps | |
| Share Growth (YoY) | 0.38% | -0.71% | -0.32% | 0.51% | 0.33% | -1.80% | -3.04% | -5.16% | -567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.03% | 0.70% | 0.78% | 1.09% | 2.12% | 2.16% | 1.26% | +48 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 | 1.40% | 1.31% | 1.61% | 1.76% | 1.78% | 1.64% | 1.69% | 1.60% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.62% | 12.86% | 13.13% | 13.06% | 12.88% | 13.48% | 14.09% | 13.23% | +16 bps | |
| Net Worth / Assets | 12.62% | 12.86% | 13.13% | 13.06% | 12.88% | 13.48% | 14.09% | 13.23% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.62% | 69.38% | 67.06% | 64.42% | 64.44% | 66.52% | 68.11% | 66.77% | +234 bps | |
| Liquid Assets / Assets | 19.90% | 28.00% | 24.27% | 38.80% | 25.08% | 23.47% | 22.91% | 27.63% | -1,117 bps | |