Jenkintown, PA · Charter 12701
Q2 2011
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.03% | -0.10% | -0.49% | -1.64% | -2.18% | -0.89% | -1.49% | -100 bps | |
| Return on Equity | 1.73% | 0.26% | -1.07% | -5.16% | -17.96% | -21.19% | -10.02% | -16.26% | -1,109 bps | |
| Net Interest Margin | 2.19% | 2.19% | 2.12% | 1.73% | 0.91% | 1.33% | 1.01% | 1.07% | -65 bps | |
| Efficiency Ratio | 91.83% | 98.76% | 104.91% | 120.32% | 280% | 248% | 188.14% | 239% | +11,886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.84% | -2.89% | -10.59% | 1.13% | -4.44% | -23.16% | -18.19% | -26.87% | -2,800 bps | |
| Loan Growth (YoY) | 53.19% | 41.09% | -17.74% | 8.79% | -37.61% | -45.44% | -42.15% | -58.37% | -6,716 bps | |
| Share Growth (YoY) | -3.46% | -3.66% | -10.97% | 2.20% | -3.13% | -23.11% | -17.42% | -26.66% | -2,885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.36% | 3.48% | 13.50% | 14.68% | 12.73% | 10.41% | 7.18% | 16.89% | +221 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 | 8.83% | 9.17% | 10.18% | 8.69% | 14.15% | 16.80% | 17.59% | 20.86% | +1,218 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.31% | 10.28% | 9.72% | 9.50% | 9.13% | 10.28% | 8.85% | 9.18% | -31 bps | |
| Net Worth / Assets | 10.31% | 10.28% | 9.72% | 9.50% | 9.13% | 10.28% | 8.85% | 9.18% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.83% | 7.51% | 6.75% | 7.75% | 5.04% | 5.33% | 4.73% | 4.40% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |