Greensburg, PA · Charter 20052
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Greensburg, PA · Charter 20052
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -1.39% | 0.22% | -10.36% | 0.19% | -3.20% | -4.98% | -15.10% | -474 bps | |
| Return on Equity | 1.12% | -5.15% | 0.78% | -39.95% | 0.68% | -10.03% | -16.43% | -76.68% | -3,673 bps | |
| Net Interest Margin | 2.47% | 2.24% | 2.08% | 1.21% | 1.20% | 0.97% | 0.80% | -9.17% | -1,037 bps | |
| Efficiency Ratio | 90.66% | 0.00% | 92.07% | 94.09% | 89.01% | 260% | 474% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | -0.36% | 1.49% | 2.99% | -5.39% | -18.25% | -16.14% | -26.80% | -2,979 bps | |
| Loan Growth (YoY) | -42.69% | -30.03% | -11.15% | 7.82% | -1.82% | -42.85% | -58.46% | -77.20% | -8,503 bps | |
| Share Growth (YoY) | 3.48% | -1.26% | 1.81% | 2.77% | -7.43% | -23.19% | -18.83% | -21.31% | -2,408 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.88% | 0.00% | 7.64% | 6.82% | 7.33% | 10.76% | 3.50% | 0.00% | -682 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 | 63.49% | 61.75% | 53.21% | 52.81% | 63.92% | 105.91% | 128.09% | 0.00% | -5,281 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.92% | 27.01% | 27.86% | 25.94% | 27.57% | 31.85% | 30.32% | 19.69% | -625 bps | |
| Net Worth / Assets | 25.92% | 27.01% | 27.86% | 25.94% | 27.57% | 31.85% | 30.32% | 19.69% | -625 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.67% | 6.22% | 7.34% | 6.82% | 6.01% | 4.63% | 3.76% | 1.98% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |