Millersville, PA · Charter 15544
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Millersville, PA · Charter 15544
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.29% | -0.28% | -0.40% | -3.09% | -1.67% | -1.91% | -3.85% | -345 bps | |
| Return on Equity | -0.88% | -2.53% | -2.33% | -3.69% | -33.21% | -16.41% | -19.90% | -51.45% | -4,777 bps | |
| Net Interest Margin | 4.28% | 3.99% | 4.23% | 4.01% | 3.86% | 3.86% | 3.73% | 3.61% | -41 bps | |
| Efficiency Ratio | 102.00% | 105.96% | 105.39% | 107.72% | 114.75% | 94.88% | 130.00% | 160.30% | +5,258 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 1.05% | -5.46% | -4.02% | 7.83% | 0.40% | 5.22% | -3.64% | +38 bps | |
| Loan Growth (YoY) | 0.73% | 0.58% | -11.32% | -13.63% | -22.21% | -18.17% | -14.14% | -25.55% | -1,193 bps | |
| Share Growth (YoY) | 5.89% | 1.22% | -5.86% | -3.97% | 10.33% | 1.51% | 7.56% | -0.35% | +362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.72% | 11.56% | 7.36% | 11.83% | 1.89% | 0.41% | 7.98% | 9.02% | -281 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 | 0.38% | 0.39% | 0.45% | 0.55% | 0.65% | 0.56% | 0.64% | 0.63% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 11.33% | 11.82% | 10.93% | 9.31% | 10.18% | 9.59% | 7.49% | -344 bps | |
| Net Worth / Assets | 11.25% | 11.33% | 11.82% | 10.93% | 9.31% | 10.18% | 9.59% | 7.49% | -344 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.64% | 48.51% | 47.09% | 42.97% | 35.00% | 39.11% | 37.59% | 32.10% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |