Halifax, PA · Cert 7513
FDIC
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.64% | 0.64% | 0.61% | 2.17% | 1.44% | 1.26% | -0.17% | -79 bps | |
| Return on Equity | 4.64% | 5.02% | 5.00% | 4.77% | 17.06% | 11.50% | 10.19% | -1.44% | -622 bps | |
| Net Interest Margin | 2.88% | 2.89% | 2.90% | 2.90% | 3.10% | 3.04% | 3.07% | 3.10% | +20 bps | |
| Efficiency Ratio | 75.56% | 74.50% | 74.31% | 76.11% | 44.18% | 54.76% | 58.41% | 93.71% | +1,760 bps | |
| Non-Interest Burden | 2.10% | 2.07% | 2.07% | 2.13% | -0.09% | 1.02% | 1.36% | 2.86% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | 1.35% | -1.39% | 1.49% | 7.83% | 12.91% | 15.38% | 12.71% | +1,122 bps | |
| Loan Growth (YoY) | 10.75% | 2.80% | 0.01% | 4.06% | 15.58% | 19.03% | 20.84% | 19.21% | +1,515 bps | |
| Deposit Growth (YoY) | 7.27% | 14.05% | 13.45% | 8.86% | 6.78% | 1.67% | 8.46% | 8.11% | -76 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 | -0.01% | 0.08% | 0.05% | 0.07% | -0.06% | -0.06% | -0.04% | 0.20% | +12 bps | |
| Allowance / Loans | 0.91% | 0.92% | 0.95% | 0.93% | 0.89% | 0.92% | 0.93% | 1.42% | +50 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 | 17.39% | 17.84% | 18.15% | 17.61% | 16.71% | 16.59% | 16.41% | 17.43% | -18 bps | |
| Equity / Assets | 12.84% | 12.88% | 13.08% | 12.80% | 12.63% | 12.22% | 12.00% | 10.98% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.21% | 81.50% | 82.36% | 84.08% | 92.23% | 95.42% | 91.76% | 92.71% | +863 bps | |
| Liquid Assets / Assets | 0.07% | 0.09% | 0.14% | 0.07% | 0.35% | 0.56% | 0.85% | 1.11% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |