Willow Grove, PA · Charter 19550
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.
Willow Grove, PA · Charter 19550
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 | 0.12% | -0.52% | 0.65% | -0.65% | -0.73% | -9.99% | -7.57% | -5.76% | -511 bps | |
| Return on Equity | 0.43% | -2.07% | 2.40% | -2.38% | -3.19% | -54.07% | -41.56% | -30.00% | -2,762 bps | |
| Net Interest Margin | 3.06% | 3.41% | 3.41% | 3.16% | 1.80% | -6.26% | -3.96% | 0.91% | -224 bps | |
| Efficiency Ratio | 96.03% | 115.19% | 81.03% | 111.22% | 140.27% | n/a | n/a | 450% | +33,860 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | 4.84% | -5.35% | -9.59% | -3.00% | -13.82% | -9.40% | -10.74% | -115 bps | |
| Loan Growth (YoY) | -28.49% | -37.66% | -32.32% | -23.94% | -38.13% | -34.69% | -42.98% | -44.82% | -2,088 bps | |
| Share Growth (YoY) | -6.19% | 7.35% | -6.40% | -11.36% | 4.30% | -6.33% | 1.40% | -1.65% | +972 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.24% | 22.90% | 15.02% | 22.86% | 25.47% | 35.08% | 38.85% | 6.26% | -1,660 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 | 14.50% | 16.01% | 15.34% | 15.84% | 25.15% | 26.34% | 28.91% | 12.13% | -371 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.22% | 25.07% | 27.00% | 27.12% | 22.74% | 18.48% | 18.22% | 19.19% | -793 bps | |
| Net Worth / Assets | 28.22% | 25.07% | 27.00% | 27.12% | 22.74% | 18.48% | 18.22% | 19.19% | -793 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.00% | 44.99% | 51.57% | 51.46% | 33.81% | 31.37% | 29.00% | 28.87% | -2,259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |