McConnellsburg, PA · Cert 7605
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | -0.26% | 0.20% | 0.05% | -0.05% | -0.16% | 0.14% | -2.23% | -227 bps | |
| Return on Equity | 5.24% | -2.34% | 1.86% | 0.42% | -0.50% | -1.51% | 1.31% | -20.77% | -2,119 bps | |
| Net Interest Margin | 3.17% | 3.26% | 3.11% | 3.11% | 3.06% | 3.05% | 3.01% | 3.17% | +7 bps | |
| Efficiency Ratio | 76.91% | 78.32% | 90.22% | 99.72% | 102.03% | 104.93% | 100.17% | 116.31% | +1,659 bps | |
| Non-Interest Burden | 2.34% | 2.45% | 2.76% | 3.10% | 3.13% | 3.22% | 3.02% | 3.77% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.13% | -4.00% | -5.01% | -4.85% | -3.17% | -1.89% | -0.92% | -11.32% | -647 bps | |
| Loan Growth (YoY) | -6.83% | -8.54% | -9.36% | -13.91% | -15.03% | -15.55% | -12.95% | -11.62% | +229 bps | |
| Deposit Growth (YoY) | 0.91% | -1.29% | -3.32% | -6.00% | -3.33% | -2.03% | -0.88% | 0.64% | +664 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 | 0.45% | 0.36% | 0.03% | 0.01% | 0.14% | 0.98% | -0.17% | -0.14% | -15 bps | |
| Allowance / Loans | 1.86% | 1.93% | 2.04% | 2.23% | 2.28% | 1.70% | 1.73% | 1.86% | -37 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% | 18.17% | 18.35% | 19.47% | 19.26% | 19.27% | 18.93% | 12.53% | -695 bps | |
| Equity / Assets | 11.12% | 10.83% | 10.74% | 11.08% | 10.78% | 10.63% | 10.48% | 11.10% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.36% | 86.08% | 84.59% | 80.55% | 77.66% | 74.21% | 74.29% | 70.74% | -982 bps | |
| Liquid Assets / Assets | 0.14% | 0.04% | 0.14% | 0.29% | 0.26% | 0.48% | 1.06% | 0.20% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |