Harrisburg, PA · Charter 68466
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 0.63% | -0.08% | 0.17% | 3.98% | -1.79% | -20.88% | -15.66% | -1,583 bps | |
| Return on Equity | 63.43% | 10.31% | -1.25% | 2.86% | 58.74% | -31.13% | n/a | n/a | n/a | |
| Net Interest Margin | 1.09% | 1.67% | 1.95% | 2.02% | 2.69% | 3.04% | 3.41% | 2.56% | +54 bps | |
| Efficiency Ratio | 66.05% | 86.01% | 89.07% | 88.79% | 77.71% | 122.71% | 180.00% | 180.00% | +9,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -12.87% | -19.72% | -15.67% | -12.88% | -10.14% | -18.07% | -21.08% | -541 bps | |
| Loan Growth (YoY) | 251% | 157.67% | 124.62% | 84.11% | 65.27% | 37.05% | 33.88% | 22.91% | -6,120 bps | |
| Share Growth (YoY) | -8.18% | -5.51% | -13.01% | -9.31% | -7.22% | -9.90% | -6.14% | -9.49% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.34% | 7.46% | 6.90% | 12.91% | 12.88% | 19.57% | 16.23% | 16.23% | +331 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 | 2.78% | 2.42% | 2.19% | 2.57% | 2.43% | 1.27% | 7.15% | 7.15% | +459 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.82% | 6.12% | 6.12% | 6.13% | 6.78% | 5.76% | -7.90% | -7.90% | -1,402 bps | |
| Net Worth / Assets | 5.82% | 6.12% | 6.12% | 6.13% | 6.78% | 5.76% | -7.90% | -7.90% | -1,402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.07% | 38.83% | 45.46% | 47.74% | 48.21% | 59.06% | 64.84% | 64.84% | +1,710 bps | |
| Liquid Assets / Assets | 65.99% | 55.50% | 48.66% | 49.30% | 43.87% | 36.50% | 26.78% | 26.78% | -2,253 bps | |