Reading, PA · Charter 9492
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.04% | 0.09% | 0.12% | 0.09% | 0.00% | -0.31% | -0.38% | -50 bps | |
| Return on Equity | 3.12% | 0.22% | 0.46% | 0.62% | 0.47% | 0.01% | -1.69% | -1.87% | -248 bps | |
| Net Interest Margin | 9.92% | 8.37% | 7.94% | 7.91% | 7.68% | 6.83% | 6.18% | 6.75% | -116 bps | |
| Efficiency Ratio | 78.00% | 99.51% | 89.58% | 92.03% | 93.84% | 99.98% | 104.86% | 105.33% | +1,330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.09% | -16.81% | -11.67% | -9.00% | 0.43% | -2.15% | 0.61% | -5.68% | +332 bps | |
| Loan Growth (YoY) | -22.44% | -29.58% | -27.94% | -38.03% | -29.06% | -25.44% | -24.65% | -17.14% | +2,089 bps | |
| Share Growth (YoY) | -24.17% | -20.05% | -14.28% | -11.13% | 0.22% | -2.99% | 0.88% | -6.62% | +451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 21.17% | 17.07% | 16.38% | 19.55% | 15.25% | 12.80% | 11.36% | 14.00% | -556 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 | 7.54% | 8.84% | 9.62% | 8.70% | 7.81% | 8.64% | 7.89% | 8.47% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.41% | 18.87% | 18.70% | 19.38% | 19.42% | 19.37% | 18.48% | 20.27% | +89 bps | |
| Net Worth / Assets | 19.41% | 18.87% | 18.70% | 19.38% | 19.42% | 19.37% | 18.48% | 20.27% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.46% | 73.67% | 70.12% | 62.99% | 63.33% | 56.62% | 52.38% | 55.90% | -710 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |