York, PA · Charter 9650
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 | -2.10% | 0.33% | 0.24% | 0.25% | 0.24% | 0.04% | -3.83% | -6.15% | -640 bps | |
| Return on Equity | -11.65% | 1.83% | 1.26% | 1.26% | 1.16% | 0.18% | -20.57% | -34.13% | -3,539 bps | |
| Net Interest Margin | 5.74% | 5.96% | 6.18% | 6.43% | 6.50% | 6.14% | 6.14% | 3.73% | -271 bps | |
| Efficiency Ratio | 100.59% | 94.70% | 96.26% | 96.28% | 96.56% | 99.42% | 159.87% | 254% | +15,726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.10% | -11.20% | -12.59% | -10.89% | -10.61% | -8.38% | -6.09% | -11.23% | -35 bps | |
| Loan Growth (YoY) | 11.12% | 2.74% | -3.47% | -4.28% | -5.03% | -5.08% | -10.42% | -17.31% | -1,303 bps | |
| Share Growth (YoY) | -13.58% | -11.51% | -13.50% | -11.71% | -13.19% | -10.48% | -7.32% | -8.56% | +316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.04% | 1.59% | 3.21% | 0.52% | 0.86% | 0.34% | 5.20% | +200 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 | 1.09% | 1.17% | 1.33% | 1.44% | 1.56% | 1.67% | 1.29% | 1.46% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.06% | 18.30% | 19.18% | 20.03% | 20.44% | 20.12% | 18.62% | 18.01% | -203 bps | |
| Net Worth / Assets | 18.06% | 18.30% | 19.18% | 20.03% | 20.44% | 20.12% | 18.62% | 18.01% | -203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.60% | 77.04% | 80.43% | 86.23% | 85.98% | 81.69% | 77.74% | 77.97% | -825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |