Washington, PA · Charter 11430
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Washington, PA · Charter 11430
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.09% | -2.22% | 0.97% | 1.12% | 0.80% | 0.87% | 1.10% | 1.09% | -3 bps | |
| Return on Equity | -39.91% | -24.85% | 11.93% | 13.26% | 9.28% | 9.70% | 11.71% | 11.81% | -145 bps | |
| Net Interest Margin | 3.77% | 4.19% | 3.89% | 3.79% | 3.83% | 3.89% | 4.14% | 3.22% | -57 bps | |
| Efficiency Ratio | 90.34% | 88.64% | 83.76% | 82.78% | 88.34% | 87.85% | 84.63% | 80.68% | -210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.31% | -6.29% | 0.51% | 1.60% | 0.80% | 10.55% | -4.28% | 0.61% | -99 bps | |
| Loan Growth (YoY) | -5.65% | -6.66% | 4.06% | -0.56% | -1.79% | 8.55% | 6.53% | 30.68% | +3,124 bps | |
| Share Growth (YoY) | -0.22% | -4.70% | -0.12% | 0.77% | -0.08% | 10.52% | -5.58% | -1.90% | -267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.36% | 2.21% | 2.19% | 2.12% | 2.48% | 4.20% | 4.73% | 3.55% | +143 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 | 2.89% | 1.90% | 1.75% | 2.06% | 1.93% | 1.43% | 1.62% | 1.37% | -69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.74% | 8.93% | 8.12% | 8.41% | 8.58% | 8.95% | 9.40% | 9.20% | +79 bps | |
| Net Worth / Assets | 7.74% | 8.93% | 8.12% | 8.41% | 8.58% | 8.95% | 9.40% | 9.20% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.75% | 42.71% | 36.08% | 35.48% | 38.09% | 41.95% | 40.71% | 47.26% | +1,178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |