Huntingdon, PA · Cert 7533
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Huntingdon, PA · Cert 7533
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.18% | 1.15% | 1.27% | 1.25% | 1.30% | 1.26% | 0.49% | -78 bps | |
| Return on Equity | 6.82% | 6.69% | 6.47% | 6.74% | 6.63% | 6.87% | 6.64% | 2.53% | -421 bps | |
| Net Interest Margin | 3.39% | 3.40% | 3.52% | 3.54% | 3.54% | 3.55% | 3.59% | 3.36% | -17 bps | |
| Efficiency Ratio | 63.61% | 63.11% | 62.19% | 60.82% | 61.15% | 60.88% | 62.01% | 71.41% | +1,059 bps | |
| Non-Interest Burden | 1.70% | 1.69% | 1.69% | 1.68% | 1.69% | 1.67% | 1.74% | 2.06% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.42% | -5.03% | -6.58% | -6.18% | -5.44% | -5.08% | -1.47% | -1.29% | +490 bps | |
| Loan Growth (YoY) | -4.84% | -4.13% | -5.14% | -4.14% | -4.11% | -4.50% | -4.27% | -3.38% | +76 bps | |
| Deposit Growth (YoY) | -6.23% | -4.20% | -6.79% | -7.91% | -7.04% | -6.75% | -3.19% | -2.38% | +552 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 | 0.14% | 0.08% | 0.16% | 0.10% | 0.99% | 0.70% | 0.58% | 0.86% | +76 bps | |
| Allowance / Loans | 1.25% | 1.35% | 1.51% | 1.54% | 1.12% | 1.14% | 1.17% | 1.25% | -28 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 | 16.27% | 16.82% | 17.39% | 17.46% | 17.48% | 17.85% | 18.13% | 17.71% | +25 bps | |
| Equity / Assets | 17.63% | 18.06% | 18.71% | 18.90% | 18.85% | 19.27% | 19.29% | 19.25% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.71% | 84.66% | 86.49% | 87.37% | 86.35% | 86.71% | 85.52% | 86.48% | -89 bps | |
| Liquid Assets / Assets | 0.16% | 0.11% | 0.14% | 0.10% | 0.11% | 0.14% | 0.13% | 0.16% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |