Canton, PA · Cert 7422
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Canton, PA · Cert 7422
FDIC
Q1 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.48% | 0.46% | 0.22% | 0.03% | -0.31% | -0.06% | -0.99% | -121 bps | |
| Return on Equity | 6.11% | 5.20% | 4.92% | 2.40% | 0.31% | -3.35% | -0.60% | -10.58% | -1,297 bps | |
| Net Interest Margin | 3.20% | 3.15% | 3.33% | 2.93% | 2.69% | 2.84% | 2.89% | 2.95% | +2 bps | |
| Efficiency Ratio | 75.13% | 77.70% | 76.09% | 88.05% | 94.52% | 91.81% | 91.60% | 125.11% | +3,706 bps | |
| Non-Interest Burden | 2.29% | 2.34% | 2.41% | 2.53% | 2.52% | 2.57% | 2.60% | 3.80% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.44% | 1.45% | 0.09% | 1.12% | -6.09% | 1.18% | -3.81% | -6.87% | -799 bps | |
| Loan Growth (YoY) | 0.61% | 0.77% | 0.23% | -1.65% | -1.46% | -0.52% | -0.24% | -2.20% | -55 bps | |
| Deposit Growth (YoY) | 11.40% | 6.01% | 2.95% | 4.65% | 2.93% | 12.20% | 13.65% | 9.33% | +468 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | 0.07% | 0.43% | 0.49% | 0.37% | 0.30% | 0.06% | -37 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.34% | 1.29% | 1.19% | 1.63% | 1.62% | 1.70% | +41 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.46% | 14.90% | 14.93% | 14.33% | 14.13% | 13.82% | 14.02% | 14.00% | -33 bps | |
| Equity / Assets | 9.02% | 9.64% | 9.46% | 9.12% | 9.40% | 8.91% | 9.45% | 9.28% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.40% | 101.29% | 97.99% | 94.11% | 93.25% | 89.81% | 86.01% | 84.19% | -992 bps | |
| Liquid Assets / Assets | 9.25% | 7.02% | 8.38% | 12.34% | 6.18% | 9.52% | 9.38% | 11.04% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |