Greensburg, PA · Charter 19728
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Greensburg, PA · Charter 19728
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.52% | 0.41% | 0.30% | -0.22% | -0.40% | -0.56% | -1.72% | -202 bps | |
| Return on Equity | 12.87% | 8.03% | 6.35% | 4.63% | -3.64% | -6.77% | -9.53% | -33.73% | -3,836 bps | |
| Net Interest Margin | 3.32% | 3.32% | 3.32% | 3.25% | 3.35% | 3.21% | 3.27% | 3.52% | +27 bps | |
| Efficiency Ratio | 89.16% | 92.25% | 93.27% | 94.73% | 96.23% | 103.95% | 105.41% | 124.97% | +3,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.60% | 7.16% | 7.47% | 4.48% | 8.59% | 7.60% | 3.37% | -4.95% | -942 bps | |
| Loan Growth (YoY) | -5.01% | 0.07% | 3.98% | 1.99% | -3.10% | -6.85% | -7.85% | -9.54% | -1,153 bps | |
| Share Growth (YoY) | 19.06% | 7.33% | 7.01% | 4.45% | 9.01% | 8.23% | 4.05% | -2.17% | -662 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.20% | 1.25% | 1.39% | 1.25% | 1.98% | 1.66% | 0.81% | -58 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 | 0.71% | 0.68% | 0.63% | 0.68% | 0.62% | 0.70% | 0.85% | 1.17% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.38% | 6.50% | 6.51% | 6.49% | 5.91% | 5.92% | 5.87% | 5.11% | -139 bps | |
| Net Worth / Assets | 6.38% | 6.50% | 6.51% | 6.49% | 5.91% | 5.92% | 5.87% | 5.11% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.21% | 40.36% | 39.61% | 40.42% | 33.96% | 34.73% | 35.08% | 37.38% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.90% | 0.00% | 0.00% | 0.00% | 0.00% | -9,990 bps | |