West Chester, PA · Charter 10338
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
West Chester, PA · Charter 10338
Q2 2012
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.58% | -0.73% | -1.09% | -1.96% | -1.63% | -0.73% | -1.69% | -60 bps | |
| Return on Equity | -3.01% | -3.16% | -4.11% | -6.16% | -11.60% | -9.86% | -4.52% | -11.10% | -494 bps | |
| Net Interest Margin | 3.69% | 3.62% | 3.08% | 3.16% | 3.50% | 3.61% | 3.44% | 3.51% | +34 bps | |
| Efficiency Ratio | 115.29% | 112.07% | 123.33% | 127.23% | 119.93% | 111.88% | 120.88% | 119.85% | -738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | 3.27% | 7.10% | 6.41% | 4.00% | 3.21% | 0.90% | 3.79% | -263 bps | |
| Loan Growth (YoY) | -2.32% | -5.78% | -10.62% | -2.70% | -0.29% | -6.49% | -5.78% | -13.24% | -1,054 bps | |
| Share Growth (YoY) | 0.93% | 4.75% | 9.68% | 8.69% | 7.03% | 5.96% | 3.09% | 7.11% | -158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.01% | 5.59% | 2.43% | 2.57% | 3.70% | 2.59% | 3.19% | 2.76% | +19 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 | 0.82% | 0.81% | 0.50% | 0.64% | 1.18% | 1.45% | 1.54% | 2.52% | +188 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.00% | 18.44% | 17.72% | 17.62% | 16.89% | 16.51% | 16.07% | 15.18% | -244 bps | |
| Net Worth / Assets | 19.00% | 18.44% | 17.72% | 17.62% | 16.89% | 16.51% | 16.07% | 15.18% | -244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.46% | 79.12% | 70.54% | 75.87% | 74.95% | 69.83% | 64.47% | 61.46% | -1,441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |