PackageTrendsPeer
Letter portraitLegal landscape

Central York

York, PA · Charter 22023

Q4 2011

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: Q4 2011, the quarter ended December 31, 2011, 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

Central York

York, PA · Charter 22023

Q4 2011

$4.0MAssets
$1.4MLoans
$3.6MShares
$348KNet Worth

Executive Summary

  • Earnings: ROA of -0.52%, down 68 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (-16 bps YoY).
  • Capital: net worth / assets of 8.78%, down 45 bps from a year ago.
  • Funding: loans stand at 37.71% of shares as of Q4 2011.

Return on Assets (YTD, annualized)

-0.52%-68 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-76 bps YoY

Efficiency Ratio (YTD, annualized)

113.73%+2,248 bps YoY

Net Worth / Assets

8.78%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.22%-0.07%-0.04%0.17%-0.25%-0.21%-0.39%-0.52%-68 bps
Return on Equity2.37%-0.74%-0.40%1.84%-2.74%-2.45%-4.43%-5.87%-771 bps
Net Interest Margin4.47%4.42%4.28%4.21%3.58%3.42%3.53%3.45%-76 bps
Efficiency Ratio77.59%84.05%100.79%91.25%106.39%105.70%110.20%113.73%+2,248 bps
Growth
Asset Growth (YoY)10.10%15.78%6.27%0.69%2.76%4.61%0.48%0.25%-43 bps
Loan Growth (YoY)-3.30%2.44%1.16%-2.92%-13.23%-20.29%-18.48%-16.69%-1,377 bps
Share Growth (YoY)10.76%17.87%6.49%0.66%3.35%4.94%0.80%1.05%+39 bps
Asset Quality
Delinquent Loans / Loans1.45%0.00%0.00%0.16%0.00%0.11%0.00%0.00%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.54%0.52%0.56%0.77%0.87%0.72%0.53%0.58%-18 bps
Capital
Risk-Based Capital9.29%8.95%8.93%9.22%9.01%8.70%8.86%8.78%-45 bps
Net Worth / Assets9.29%8.95%8.93%9.22%9.01%8.70%8.86%8.78%-45 bps
Liquidity & Funding
Loans / Shares48.75%51.08%48.58%45.74%40.93%38.80%39.29%37.71%-803 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps