Royersford, PA · Charter 12031
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Royersford, PA · Charter 12031
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.21% | 0.06% | -0.38% | -0.41% | -53 bps | |
| Return on Equity | 1.05% | 1.77% | 0.54% | -3.42% | -3.86% | -490 bps | |
| Net Interest Margin | 5.87% | 5.98% | 5.72% | 5.50% | 5.25% | -62 bps | |
| Efficiency Ratio | 98.04% | 96.70% | 98.99% | 106.27% | 107.28% | +925 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.79% | 9.99% | 11.56% | 10.48% | 8.07% | +228 bps | |
| Loan Growth (YoY) | 8.62% | 9.45% | -5.37% | 0.46% | 1.66% | -696 bps | |
| Share Growth (YoY) | 5.77% | 11.18% | 13.02% | 11.83% | 9.83% | +407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.87% | 2.00% | 8.86% | 8.30% | 8.07% | +520 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 1.45% | 1.67% | 1.13% | 1.10% | -99 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 11.77% | 11.27% | 11.05% | 10.58% | -107 bps | |
| Net Worth / Assets | 11.65% | 11.77% | 11.27% | 11.05% | 10.58% | -107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.76% | 88.26% | 77.27% | 82.80% | 84.93% | -683 bps | |
| Liquid Assets / Assets | 18.65% | 21.18% | 30.69% | 25.45% | 22.94% | +428 bps | |