Scranton, PA · Charter 19329
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 | -0.14% | 0.26% | -0.05% | -0.26% | 0.05% | -0.08% | 0.08% | -0.74% | -48 bps | |
| Return on Equity | -0.86% | 1.58% | -0.31% | -1.69% | 0.35% | -0.48% | 0.48% | -4.62% | -294 bps | |
| Net Interest Margin | 1.44% | 1.44% | 1.43% | 1.39% | 1.47% | 1.47% | 1.56% | 1.25% | -14 bps | |
| Efficiency Ratio | 79.08% | 82.15% | 93.30% | 118.71% | 96.32% | 105.14% | 94.78% | 159.50% | +4,079 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.65% | 23.25% | 19.91% | 13.93% | 9.20% | 4.22% | -4.98% | -4.12% | -1,805 bps | |
| Loan Growth (YoY) | 1.49% | 0.92% | -16.80% | -25.13% | -33.30% | -38.92% | -47.26% | -43.11% | -1,798 bps | |
| Share Growth (YoY) | 40.96% | 28.48% | 24.76% | 17.31% | 11.04% | 5.21% | -6.05% | -4.80% | -2,211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 2.32% | 2.24% | 2.21% | 2.34% | 4.63% | 8.53% | 15.37% | +1,315 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 | 1.35% | 1.48% | 1.67% | 1.81% | 2.03% | 2.42% | 3.16% | 3.18% | +137 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.79% | 16.36% | 15.88% | 15.48% | 15.39% | 15.57% | 16.82% | 16.10% | +62 bps | |
| Net Worth / Assets | 16.79% | 16.36% | 15.88% | 15.48% | 15.39% | 15.57% | 16.82% | 16.10% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.63% | 16.44% | 14.19% | 12.69% | 11.19% | 9.55% | 7.96% | 7.58% | -511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |