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The Altoona Hospital

Altoona, PA · Charter 20378

NCUA

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

The Altoona Hospital

Altoona, PA · Charter 20378

NCUA

Q1 2016

$29.2MAssets
$10.3MLoans
$26.6MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.25%, down 35 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 0.12% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.79%, down 11 bps from a year ago.
  • Funding: loans stand at 38.66% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

-0.25%-35 bps YoY

Net Interest Margin (YTD, annualized)

1.95%-7 bps YoY

Efficiency Ratio (YTD, annualized)

109.94%+1,377 bps YoY

Net Worth / Assets

8.79%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.15%-0.15%0.05%0.10%-0.25%-0.04%0.03%-0.25%-35 bps
Return on Equity-1.65%-1.64%0.54%1.13%-2.89%-0.48%0.33%-2.88%-400 bps
Net Interest Margin2.12%2.13%2.17%2.02%2.04%2.05%2.13%1.95%-7 bps
Efficiency Ratio99.97%101.77%97.37%96.17%98.06%95.75%92.07%109.94%+1,377 bps
Growth
Asset Growth (YoY)0.52%0.97%3.70%3.86%6.25%3.80%5.12%0.60%-327 bps
Loan Growth (YoY)1.46%-3.76%-9.98%-9.66%-10.46%-10.95%-7.92%-8.98%+68 bps
Share Growth (YoY)0.54%1.15%4.00%4.08%6.90%4.03%5.62%0.71%-337 bps
Asset Quality
Delinquent Loans / Loans0.20%0.17%0.10%0.05%0.14%0.07%0.19%0.12%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.57%0.55%0.29%0.12%0.53%0.58%0.51%0.54%+42 bps
Capital
Risk-Based Capital9.30%9.14%9.56%8.91%8.75%8.93%9.13%8.79%-11 bps
Net Worth / Assets9.30%9.14%9.56%8.91%8.75%8.93%9.13%8.79%-11 bps
Liquidity & Funding
Loans / Shares50.41%48.59%48.45%42.78%42.23%41.59%42.24%38.66%-412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps