Hazleton, PA · Charter 13824
Q2 2012
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | -1.48% | -0.74% | -1.30% | -1.69% | -2.40% | -2.68% | -1.99% | -69 bps | |
| Return on Equity | -9.54% | -9.09% | -4.72% | -8.57% | -10.87% | -16.72% | -18.87% | -12.83% | -426 bps | |
| Net Interest Margin | 2.16% | 2.18% | 1.70% | 1.78% | 1.84% | 1.91% | 1.36% | 1.63% | -15 bps | |
| Efficiency Ratio | 173.92% | 159.64% | 135.33% | 157.52% | 174.93% | 168.87% | 289% | 199.06% | +4,154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.29% | -10.22% | -8.36% | -7.59% | -5.26% | -7.18% | -7.33% | -14.77% | -719 bps | |
| Loan Growth (YoY) | -41.00% | -32.01% | -32.77% | 6.83% | 19.39% | 1.80% | 0.76% | -18.54% | -2,538 bps | |
| Share Growth (YoY) | -15.33% | -9.99% | -6.79% | -5.94% | -3.25% | -4.95% | -5.82% | -14.80% | -886 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 4.24% | 8.67% | 11.56% | 11.52% | 1.04% | 1.34% | 0.57% | -1,099 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 | 5.44% | 5.71% | 6.32% | 5.08% | 5.31% | 4.41% | 4.94% | 4.88% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.26% | 16.32% | 15.63% | 15.18% | 15.51% | 14.37% | 14.23% | 15.49% | +30 bps | |
| Net Worth / Assets | 17.26% | 16.32% | 15.63% | 15.18% | 15.51% | 14.37% | 14.23% | 15.49% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.36% | 31.74% | 29.46% | 37.22% | 37.47% | 33.99% | 31.51% | 35.58% | -164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |