PackageTrendsPeer
Letter portraitLegal landscape

P. R. K. Employees

Washington, PA · Charter 19209

Q1 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

P. R. K. Employees

Washington, PA · Charter 19209

Q1 2010

$585KAssets
$266KLoans
$498KShares
$87KNet Worth

Executive Summary

  • Earnings: ROA of 0.04%, up 209 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 2.26% of loans (+226 bps YoY).
  • Capital: net worth / assets of 14.86%, down 931 bps from a year ago.
  • Funding: loans stand at 53.48% of shares as of Q1 2010.

Return on Assets (YTD, annualized)

0.04%+209 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-49 bps YoY

Efficiency Ratio (YTD, annualized)

98.87%+855 bps YoY

Net Worth / Assets

14.86%-931 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.64%0.75%0.74%-2.05%-1.00%0.05%-11.45%0.04%+209 bps
Return on Equity3.15%3.23%2.96%-8.48%-4.05%0.21%-76.30%0.28%+875 bps
Net Interest Margin3.50%4.04%4.28%4.04%3.99%3.87%3.95%3.55%-49 bps
Efficiency Ratio82.01%81.68%83.06%90.32%93.75%83.78%364%98.87%+855 bps
Growth
Asset Growth (YoY)-7.41%-13.44%-16.55%-13.00%-18.51%-6.71%-5.28%-5.71%+730 bps
Loan Growth (YoY)-18.17%-13.31%-8.88%-11.79%-9.09%-9.48%-25.53%-19.24%-745 bps
Share Growth (YoY)-9.96%-17.49%-21.54%-16.67%-23.30%-9.08%7.42%6.20%+2,286 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%1.98%0.00%2.20%2.26%+226 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.99%2.89%2.72%3.03%3.29%1.86%2.12%0.49%-254 bps
Capital
Risk-Based Capital20.26%23.19%25.05%24.18%24.71%25.03%15.00%14.86%-931 bps
Net Worth / Assets20.26%23.19%25.05%24.18%24.71%25.03%15.00%14.86%-931 bps
Liquidity & Funding
Loans / Shares56.24%68.52%80.41%70.33%66.66%68.22%55.74%53.48%-1,685 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps