Elizabeth, PA · Charter 9224
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.44% | 0.44% | 0.48% | 0.49% | 0.21% | 0.19% | -7.59% | -807 bps | |
| Return on Equity | 2.61% | 2.22% | 2.21% | 2.48% | 2.51% | 1.07% | 1.02% | -53.44% | -5,592 bps | |
| Net Interest Margin | 3.44% | 3.29% | 3.22% | 3.20% | 3.17% | 2.95% | 2.86% | -4.81% | -801 bps | |
| Efficiency Ratio | 84.55% | 86.56% | 86.52% | 85.02% | 84.69% | 88.88% | 93.27% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | 3.20% | 5.87% | 8.50% | 8.43% | 5.75% | 5.81% | -1.73% | -1,024 bps | |
| Loan Growth (YoY) | -9.64% | -4.94% | -9.43% | -5.71% | -1.57% | -10.74% | -8.07% | -16.36% | -1,066 bps | |
| Share Growth (YoY) | 1.06% | 3.18% | 6.57% | 9.88% | 9.84% | 6.63% | 7.09% | -2.08% | -1,197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.74% | 0.55% | +55 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 | 0.97% | 0.95% | 0.97% | 0.95% | 0.99% | 1.16% | 1.17% | 0.81% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.45% | 19.96% | 19.69% | 19.43% | 19.35% | 19.30% | 18.98% | 14.21% | -522 bps | |
| Net Worth / Assets | 20.45% | 19.96% | 19.69% | 19.43% | 19.35% | 19.30% | 18.98% | 14.21% | -522 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.79% | 46.97% | 45.22% | 44.76% | 42.82% | 39.32% | 38.82% | 38.23% | -653 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |