Warrington, PA · Charter 18599
Q4 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.06% | 0.07% | -0.58% | 0.25% | 0.26% | 0.25% | 0.17% | +74 bps | |
| Return on Equity | 1.76% | 0.49% | 0.53% | -4.22% | 1.82% | 1.90% | 1.80% | 1.21% | +543 bps | |
| Net Interest Margin | 1.12% | 0.76% | 0.93% | 0.81% | 0.84% | 0.88% | 0.90% | 0.73% | -8 bps | |
| Efficiency Ratio | 78.18% | 92.67% | 91.94% | 108.71% | 71.32% | 71.51% | 72.64% | 77.34% | -3,137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.27% | 15.43% | -5.62% | -3.76% | -0.82% | -18.80% | -2.80% | -0.39% | +337 bps | |
| Loan Growth (YoY) | -8.22% | -25.39% | -6.05% | -22.75% | -17.89% | -15.26% | -22.29% | 14.65% | +3,740 bps | |
| Share Growth (YoY) | -6.23% | 18.14% | -8.00% | -4.94% | -0.85% | -20.68% | -1.14% | 0.42% | +535 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 0.84% | 2.84% | 2.54% | 0.00% | 2.04% | 1.10% | 0.00% | -254 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 | 1.48% | 1.65% | 1.36% | 0.42% | 0.44% | 0.47% | 0.43% | 0.37% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.93% | 11.42% | 14.10% | 13.65% | 13.48% | 13.59% | 14.05% | 13.89% | +23 bps | |
| Net Worth / Assets | 13.93% | 11.42% | 14.10% | 13.65% | 13.48% | 13.59% | 14.05% | 13.89% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.59% | 14.66% | 22.96% | 18.17% | 17.05% | 15.66% | 18.05% | 20.75% | +258 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |