Williamsport, PA · Charter 11735
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.72% | -1.04% | -1.61% | -2.93% | -2.06% | -1.62% | -32.23% | -3,062 bps | |
| Return on Equity | -6.02% | -10.30% | -14.77% | -22.91% | -39.61% | -28.69% | -30.40% | -33.70% | -1,078 bps | |
| Net Interest Margin | 0.99% | 0.71% | 0.75% | 0.68% | 0.73% | 0.69% | 0.61% | 10.58% | +990 bps | |
| Efficiency Ratio | 156.54% | 213% | 249% | 301% | 310% | 305% | 247% | 307% | +619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.00% | -11.64% | -18.01% | -20.91% | -27.78% | -26.98% | -3.04% | -94.50% | -7,359 bps | |
| Loan Growth (YoY) | -34.34% | -47.92% | -49.50% | -45.06% | -39.10% | -48.59% | -48.44% | -63.64% | -1,859 bps | |
| Share Growth (YoY) | -1.98% | -11.30% | -17.91% | -20.86% | -27.98% | -27.11% | -1.19% | -99.74% | -7,889 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.02% | 17.81% | 19.63% | 16.30% | 11.61% | 15.32% | 0.00% | 38.52% | +2,222 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 | 2.78% | 2.84% | 2.82% | 3.08% | 4.87% | 5.14% | 5.39% | 5.45% | +237 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.11% | 7.00% | 7.01% | 7.03% | 7.40% | 7.17% | 5.32% | 95.66% | +8,863 bps | |
| Net Worth / Assets | 7.11% | 7.00% | 7.01% | 7.03% | 7.40% | 7.17% | 5.32% | 95.66% | +8,863 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.20% | 3.85% | 3.27% | 4.08% | 3.55% | 2.71% | 1.70% | 576% | +57,210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |