Willow Grove, PA · Charter 17286
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 3.32% | -1.96% | -5.59% | -3.17% | -3.35% | -2.94% | -2.82% | +277 bps | |
| Return on Equity | 1.83% | 7.81% | -4.78% | -13.35% | -7.47% | -7.80% | -6.46% | -6.20% | +716 bps | |
| Net Interest Margin | 1.14% | 0.78% | 0.06% | 0.46% | 0.49% | 0.81% | 0.94% | 0.92% | +46 bps | |
| Efficiency Ratio | 161.57% | 377% | 1843% | 1317% | 747% | 490% | 400% | 394% | -92,246 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.36% | 6.82% | 0.82% | -6.83% | -6.88% | -12.56% | -16.31% | -10.77% | -394 bps | |
| Loan Growth (YoY) | -27.93% | -37.93% | -54.16% | 95.97% | 203% | 369% | 725% | 35.26% | -6,072 bps | |
| Share Growth (YoY) | 8.11% | 12.78% | 5.34% | -4.52% | -6.14% | -13.65% | -22.04% | -16.39% | -1,187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 39.00% | 39.78% | 40.16% | 0.00% | 0.00% | 0.00% | 11.63% | 23.25% | +2,325 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 | 123.91% | 109.62% | 190.50% | 31.22% | 26.72% | 23.37% | 23.08% | 23.08% | -814 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 43.09% | 42.46% | 41.05% | 41.90% | 42.45% | 42.95% | 45.58% | 45.58% | +368 bps | |
| Net Worth / Assets | 43.09% | 42.46% | 41.05% | 41.90% | 42.45% | 42.95% | 45.58% | 45.58% | +368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 6.65% | 4.70% | 2.72% | 17.78% | 21.47% | 25.55% | 28.76% | 28.76% | +1,098 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |