Easton, PA · Charter 2019
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Easton, PA · Charter 2019
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.71% | -4.30% | -3.61% | -3.23% | -4.71% | 0 bps | |
| Return on Equity | -41.85% | -40.45% | -33.74% | -33.45% | -62.79% | -2,094 bps | |
| Net Interest Margin | 4.46% | 4.51% | 4.40% | 3.69% | 3.67% | -79 bps | |
| Efficiency Ratio | 136.19% | 144.43% | 165.10% | 187.80% | 228% | +9,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.59% | -9.59% | -3.61% | 1.10% | -7.77% | +282 bps | |
| Loan Growth (YoY) | -11.25% | -14.31% | -11.48% | -11.17% | -26.65% | -1,540 bps | |
| Share Growth (YoY) | -7.09% | -5.39% | 3.98% | 4.36% | -3.84% | +325 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.06% | 0.00% | 0.00% | 5.52% | +483 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.22% | 3.19% | 1.38% | 1.63% | 2.20% | -102 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.26% | 10.64% | 10.71% | 9.64% | 7.51% | -376 bps | |
| Net Worth / Assets | 11.26% | 10.64% | 10.71% | 9.64% | 7.51% | -376 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.27% | 54.85% | 54.77% | 48.57% | 43.68% | -1,359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |