York, PA · Charter 22023
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | -0.07% | -0.04% | 0.17% | -0.25% | -0.21% | -0.39% | -0.52% | -68 bps | |
| Return on Equity | 2.37% | -0.74% | -0.40% | 1.84% | -2.74% | -2.45% | -4.43% | -5.87% | -771 bps | |
| Net Interest Margin | 4.47% | 4.42% | 4.28% | 4.21% | 3.58% | 3.42% | 3.53% | 3.45% | -76 bps | |
| Efficiency Ratio | 77.59% | 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 / Loans | 1.45% | 0.00% | 0.00% | 0.16% | 0.00% | 0.11% | 0.00% | 0.00% | -16 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 | 0.54% | 0.52% | 0.56% | 0.77% | 0.87% | 0.72% | 0.53% | 0.58% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.29% | 8.95% | 8.93% | 9.22% | 9.01% | 8.70% | 8.86% | 8.78% | -45 bps | |
| Net Worth / Assets | 9.29% | 8.95% | 8.93% | 9.22% | 9.01% | 8.70% | 8.86% | 8.78% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.75% | 51.08% | 48.58% | 45.74% | 40.93% | 38.80% | 39.29% | 37.71% | -803 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |