Reading, PA · Charter 20138
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Reading, PA · Charter 20138
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -2.00% | -0.92% | -0.72% | -0.69% | -0.94% | -0.57% | -2.38% | -166 bps | |
| Return on Equity | -3.36% | -34.50% | -15.48% | -11.95% | -11.54% | -17.29% | -10.92% | -63.17% | -5,122 bps | |
| Net Interest Margin | 4.59% | 4.30% | 4.35% | 4.41% | 4.44% | 3.72% | 3.83% | 4.07% | -35 bps | |
| Efficiency Ratio | 92.56% | 89.47% | 81.42% | 86.30% | 87.53% | 103.52% | 96.30% | 106.61% | +2,030 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -1.88% | -1.05% | -2.18% | -2.38% | -0.05% | 0.12% | -2.59% | -42 bps | |
| Loan Growth (YoY) | -6.60% | -7.38% | -9.24% | -10.66% | -12.03% | -9.06% | -5.78% | -5.15% | +550 bps | |
| Share Growth (YoY) | -3.27% | -0.79% | -0.05% | -1.99% | -1.82% | -0.34% | 0.78% | -0.82% | +116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.12% | 3.65% | 3.93% | 2.92% | 2.47% | 1.80% | 2.15% | 1.78% | -113 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 | 0.88% | 1.45% | 1.78% | 1.19% | 1.38% | 1.05% | 1.29% | 2.45% | +125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.48% | 5.80% | 5.91% | 6.01% | 5.95% | 5.42% | 5.18% | 3.76% | -224 bps | |
| Net Worth / Assets | 6.48% | 5.80% | 5.91% | 6.01% | 5.95% | 5.42% | 5.18% | 3.76% | -224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.01% | 89.92% | 88.08% | 88.06% | 86.92% | 82.05% | 82.35% | 84.22% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |