Boyertown, PA · Charter 16153
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 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.
Boyertown, PA · Charter 16153
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 2.92% | 2.79% | 0.27% | 3.31% | +271 bps | |
| Return on Equity | 4.14% | 19.08% | 18.08% | 1.82% | 17.85% | +1,371 bps | |
| Net Interest Margin | 3.82% | 3.90% | 4.50% | 3.10% | 6.06% | +224 bps | |
| Efficiency Ratio | 84.54% | 67.07% | 62.84% | 91.26% | 45.45% | -3,909 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -23.59% | -0.44% | 3.80% | -4.13% | -17.77% | +582 bps | |
| Loan Growth (YoY) | -32.88% | -31.04% | -22.72% | -15.15% | -20.95% | +1,193 bps | |
| Share Growth (YoY) | -24.33% | -1.81% | 4.82% | -4.83% | -21.04% | +329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.55% | 2.98% | 2.97% | 2.58% | 5.16% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 1.20% | 5.24% | 4.91% | 5.41% | +223 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.28% | 15.33% | 15.42% | 14.87% | 18.52% | +424 bps | |
| Net Worth / Assets | 14.28% | 15.33% | 15.42% | 14.87% | 18.52% | +424 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.93% | 59.43% | 54.34% | 60.56% | 67.01% | +8 bps | |
| Liquid Assets / Assets | 43.51% | 49.33% | 55.60% | 50.42% | 47.35% | +384 bps | |