Red Lion, PA · Charter 65489
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Red Lion, PA · Charter 65489
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.07% | 0.02% | 0.04% | -0.17% | -0.48% | -1.20% | -2.59% | -263 bps | |
| Return on Equity | 0.51% | 0.49% | 0.13% | 0.32% | -1.34% | -3.30% | -8.57% | -19.45% | -1,977 bps | |
| Net Interest Margin | 3.22% | 3.67% | 3.18% | 3.23% | 3.29% | 3.72% | 3.66% | 3.87% | +64 bps | |
| Efficiency Ratio | 98.05% | 98.12% | 99.47% | 98.74% | 105.07% | 112.30% | 131.68% | 203% | +10,421 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.77% | 0.45% | 2.33% | -1.65% | -2.19% | -2.09% | -10.58% | -13.44% | -1,179 bps | |
| Loan Growth (YoY) | -0.60% | -1.97% | -9.62% | -13.25% | -8.03% | -6.60% | -0.96% | -2.91% | +1,034 bps | |
| Share Growth (YoY) | 9.97% | 0.28% | 2.67% | -1.85% | -2.27% | -1.68% | -11.56% | -13.75% | -1,190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 2.11% | 0.32% | 0.06% | 0.75% | 0.73% | 0.00% | 0.06% | 0 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 | 1.09% | 1.11% | 1.19% | 0.99% | 1.00% | 1.00% | 0.31% | 0.45% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.78% | 14.55% | 13.17% | 13.06% | 12.94% | 14.39% | 13.96% | 13.29% | +23 bps | |
| Net Worth / Assets | 12.78% | 14.55% | 13.17% | 13.06% | 12.94% | 14.39% | 13.96% | 13.29% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.78% | 68.51% | 56.55% | 57.00% | 56.25% | 65.08% | 63.33% | 64.16% | +716 bps | |
| Liquid Assets / Assets | 45.84% | 39.32% | 48.88% | 40.44% | 36.86% | 42.10% | 43.11% | 0.00% | -4,044 bps | |