Bloomsburg, PA · Cert 7671
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.99% | 1.02% | 1.08% | 1.13% | 1.07% | 1.05% | 1.21% | +14 bps | |
| Return on Equity | 9.49% | 8.30% | 8.62% | 9.16% | 9.65% | 8.89% | 8.46% | 9.76% | +59 bps | |
| Net Interest Margin | 3.49% | 3.45% | 3.33% | 3.35% | 3.34% | 3.36% | 3.39% | 3.47% | +12 bps | |
| Efficiency Ratio | 62.72% | 54.93% | 67.28% | 65.45% | 63.94% | 54.99% | 62.87% | 59.22% | -623 bps | |
| Non-Interest Burden | 1.86% | 1.50% | 1.92% | 1.88% | 1.81% | 1.43% | 1.83% | 1.71% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | 4.61% | 6.35% | 6.01% | 7.58% | 1.45% | 1.13% | -0.91% | -691 bps | |
| Loan Growth (YoY) | 5.89% | 4.13% | 3.44% | -1.65% | 0.74% | 0.51% | -0.09% | 2.04% | +369 bps | |
| Deposit Growth (YoY) | 0.49% | 2.69% | 3.43% | 3.73% | 4.59% | 0.96% | 0.95% | 0.74% | -299 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% | 0.20% | -0.04% | 0.09% | 0.02% | 0.05% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 0.93% | 0.91% | 0.94% | 0.93% | 0.90% | 0.89% | 0.90% | 0.89% | -4 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 | 20.15% | 20.21% | 19.65% | 19.81% | 19.57% | 19.90% | 20.25% | 20.14% | +33 bps | |
| Equity / Assets | 11.99% | 11.90% | 11.86% | 11.69% | 11.76% | 12.34% | 12.52% | 12.37% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.10% | 94.80% | 92.40% | 90.57% | 93.52% | 94.38% | 91.44% | 91.73% | +116 bps | |
| Liquid Assets / Assets | 0.16% | 0.17% | 0.86% | 1.61% | 0.39% | 0.30% | 0.28% | 0.21% | -140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |