Montgomeryville, PA · Charter 21105
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.
Montgomeryville, PA · Charter 21105
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.70% | -3.39% | -1.01% | -0.70% | -0.53% | -0.11% | -0.96% | +5 bps | |
| Return on Equity | -10.30% | -8.35% | -48.64% | -14.39% | -9.97% | -7.90% | -1.52% | -14.99% | -59 bps | |
| Net Interest Margin | 3.04% | 3.19% | 3.47% | 3.16% | 3.15% | 3.03% | 2.90% | 2.97% | -19 bps | |
| Efficiency Ratio | 122.92% | 118.16% | 157.47% | 106.71% | 105.10% | 101.17% | 102.95% | 120.25% | +1,355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 3.50% | -1.43% | 4.36% | 5.74% | 15.07% | 4.34% | -2.24% | -659 bps | |
| Loan Growth (YoY) | -5.63% | -7.56% | -10.92% | -8.45% | -10.11% | -13.65% | -9.71% | -11.78% | -333 bps | |
| Share Growth (YoY) | 1.74% | 4.35% | -0.68% | 5.79% | 7.25% | 17.60% | 4.95% | -1.78% | -758 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 1.81% | 2.32% | 1.53% | 0.11% | 1.76% | 0.84% | 0.19% | -134 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 | 0.36% | 0.36% | 0.59% | 0.11% | 0.17% | 0.21% | 0.25% | 0.45% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.99% | 8.39% | 6.98% | 7.01% | 6.99% | 6.75% | 6.93% | 6.41% | -60 bps | |
| Net Worth / Assets | 7.99% | 8.39% | 6.98% | 7.01% | 6.99% | 6.75% | 6.93% | 6.41% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.68% | 73.25% | 63.00% | 59.26% | 59.24% | 53.79% | 54.20% | 53.22% | -603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |