Reading, PA · Charter 8488
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.57% | -0.85% | -0.55% | -0.52% | -3.95% | -0.91% | -3.07% | -252 bps | |
| Return on Equity | 0.10% | -3.17% | -4.81% | -3.09% | -2.85% | -24.30% | -5.58% | -20.83% | -1,774 bps | |
| Net Interest Margin | 4.08% | 3.43% | 3.46% | 3.52% | 3.58% | 3.31% | 3.23% | 3.28% | -24 bps | |
| Efficiency Ratio | 93.52% | 105.39% | 110.48% | 104.22% | 106.32% | 109.50% | 79.88% | 131.41% | +2,719 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.54% | 0.06% | 2.92% | 7.25% | 5.36% | 2.93% | 5.33% | 4.68% | -257 bps | |
| Loan Growth (YoY) | 6.04% | 4.64% | 1.62% | 2.10% | -1.24% | 0.41% | -1.73% | -4.79% | -689 bps | |
| Share Growth (YoY) | -6.79% | 0.33% | 4.23% | 7.08% | 6.36% | 5.03% | 6.63% | 9.48% | +240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.35% | 1.10% | 0.88% | 0.70% | 0.70% | 0.04% | 0.66% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.11% | 1.10% | 1.13% | 0.94% | 1.00% | 0.82% | 0.82% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.56% | 18.05% | 17.77% | 17.89% | 18.10% | 16.25% | 16.38% | 14.75% | -315 bps | |
| Net Worth / Assets | 19.56% | 18.05% | 17.77% | 17.89% | 18.10% | 16.25% | 16.38% | 14.75% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.80% | 61.43% | 61.91% | 65.13% | 64.81% | 58.73% | 57.05% | 56.64% | -849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |