New Castle, PA · Charter 65410
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.34% | 0.26% | -1.88% | -2.60% | 0.64% | 0.53% | -0.29% | +158 bps | |
| Return on Equity | 3.07% | 2.69% | 2.13% | -18.83% | -27.98% | 6.34% | 5.16% | -3.04% | +1,579 bps | |
| Net Interest Margin | 4.79% | 4.81% | 4.65% | 4.53% | 4.39% | 4.39% | 4.24% | 4.37% | -17 bps | |
| Efficiency Ratio | 81.92% | 81.78% | 81.75% | 80.84% | 77.35% | 78.37% | 82.90% | 102.84% | +2,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.75% | -7.69% | 2.91% | 3.46% | 4.41% | 5.25% | 4.38% | 0.00% | -346 bps | |
| Loan Growth (YoY) | -17.71% | -11.84% | -1.99% | 6.15% | 20.96% | 4.87% | 1.54% | -5.11% | -1,126 bps | |
| Share Growth (YoY) | -7.37% | -9.02% | 3.33% | 6.67% | 7.74% | 8.17% | 7.07% | 0.92% | -576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.20% | 3.60% | 3.14% | 3.35% | 1.98% | 1.85% | 1.71% | 0.42% | -293 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 | 0.21% | 0.40% | 0.11% | 2.38% | 1.81% | 1.66% | 1.65% | 0.00% | -238 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.42% | 12.45% | 12.34% | 9.98% | 9.29% | 10.14% | 10.18% | 9.69% | -29 bps | |
| Net Worth / Assets | 12.42% | 12.45% | 12.34% | 9.98% | 9.29% | 10.14% | 10.18% | 9.69% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.61% | 90.77% | 93.73% | 91.85% | 94.99% | 88.00% | 88.89% | 86.36% | -549 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |