Chambersburg, PA · Charter 17624
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Chambersburg, PA · Charter 17624
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.33% | 0.73% | 0.44% | -0.01% | 0.23% | -0.88% | -3.65% | -408 bps | |
| Return on Equity | 5.58% | 6.45% | 14.34% | 8.89% | -0.14% | 4.97% | -23.08% | -451% | -45,952 bps | |
| Net Interest Margin | 5.37% | 5.53% | 5.77% | 5.65% | 5.87% | 6.13% | 6.15% | 6.05% | +40 bps | |
| Efficiency Ratio | 83.79% | 83.06% | 86.38% | 84.81% | 94.52% | 89.46% | 85.85% | 133.77% | +4,896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.64% | 17.65% | 15.03% | 20.14% | 15.18% | 8.01% | 3.48% | -3.16% | -2,330 bps | |
| Loan Growth (YoY) | 24.86% | 28.43% | 15.36% | 22.38% | 4.85% | 5.58% | 0.79% | -11.07% | -3,345 bps | |
| Share Growth (YoY) | 12.89% | 16.48% | 15.98% | 20.64% | 20.76% | 10.19% | 1.20% | -2.04% | -2,268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 1.55% | 1.89% | 1.59% | 2.24% | 3.12% | 2.85% | 2.98% | +139 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 | 0.94% | 0.65% | 0.65% | 0.51% | 0.87% | 0.65% | 1.38% | 1.17% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.08% | 5.11% | 5.10% | 4.92% | 4.24% | 4.56% | 3.80% | 0.81% | -411 bps | |
| Net Worth / Assets | 5.08% | 5.11% | 5.10% | 4.92% | 4.24% | 4.56% | 3.80% | 0.81% | -411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.85% | 94.73% | 91.58% | 92.13% | 84.95% | 90.77% | 91.21% | 83.64% | -849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |