Noxen, PA · Charter 10046
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.63% | 1.32% | 1.04% | 0.26% | 0.41% | 0.43% | 0.30% | -73 bps | |
| Return on Equity | 7.64% | 7.40% | 6.07% | 4.59% | 1.15% | 1.80% | 1.81% | 1.28% | -330 bps | |
| Net Interest Margin | 3.48% | 3.23% | 2.90% | 2.73% | 2.55% | 2.38% | 2.31% | 2.15% | -59 bps | |
| Efficiency Ratio | 58.17% | 50.83% | 50.70% | 50.87% | 79.42% | 69.71% | 64.67% | 69.16% | +1,829 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | -2.00% | 2.49% | -0.53% | -2.07% | -1.85% | -6.66% | -3.29% | -276 bps | |
| Loan Growth (YoY) | -21.16% | -24.04% | -25.65% | -23.89% | -24.14% | -25.39% | -18.67% | -26.01% | -212 bps | |
| Share Growth (YoY) | -1.41% | -1.59% | 4.29% | -1.98% | -3.51% | -2.89% | -8.91% | -4.63% | -265 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.85% | 21.26% | 25.01% | 33.66% | 31.63% | 23.35% | 23.10% | 29.68% | -398 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 | 13.26% | 14.77% | 16.63% | 16.98% | 19.11% | 17.17% | 19.87% | 23.00% | +602 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.80% | 22.09% | 21.82% | 22.61% | 22.95% | 22.92% | 23.71% | 23.68% | +107 bps | |
| Net Worth / Assets | 21.80% | 22.09% | 21.82% | 22.61% | 22.95% | 22.92% | 23.71% | 23.68% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.51% | 31.92% | 28.17% | 29.08% | 27.13% | 24.52% | 25.15% | 22.56% | -652 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |