Avonmore, PA · Charter 13466
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 | -0.94% | -0.13% | 1.21% | 1.64% | 1.32% | 1.04% | -65.19% | -30.25% | -3,189 bps | |
| Return on Equity | -3.69% | -0.51% | 4.37% | 5.50% | 4.67% | 3.63% | -450% | -193.91% | -19,940 bps | |
| Net Interest Margin | 3.83% | 3.99% | 4.37% | 4.97% | 5.02% | 4.06% | 6.55% | 7.31% | +234 bps | |
| Efficiency Ratio | 72.82% | 74.05% | 75.38% | 67.51% | 58.05% | 67.86% | 58.56% | 50.62% | -1,689 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.44% | 18.84% | 13.52% | -5.65% | -2.43% | -2.73% | -12.90% | -8.27% | -262 bps | |
| Loan Growth (YoY) | 4.44% | -7.89% | -4.99% | -0.93% | -2.15% | 7.91% | -8.72% | -9.25% | -832 bps | |
| Share Growth (YoY) | 25.92% | 25.24% | 17.08% | -10.12% | -5.77% | -5.61% | 4.05% | 12.63% | +2,275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.81% | 18.86% | 18.02% | 22.67% | 12.73% | 18.94% | 24.90% | 24.18% | +151 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 | 4.75% | 3.24% | 3.16% | 3.12% | 3.97% | 4.04% | 29.45% | 30.75% | +2,763 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.49% | 25.63% | 27.75% | 29.83% | 28.21% | 28.71% | 14.49% | 15.60% | -1,423 bps | |
| Net Worth / Assets | 25.49% | 25.63% | 27.75% | 29.83% | 28.21% | 28.71% | 14.49% | 15.60% | -1,423 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.70% | 77.05% | 83.98% | 92.88% | 80.68% | 88.09% | 73.67% | 74.83% | -1,804 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |