Smethport, PA · Charter 23028
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.02% | 0.52% | 0.28% | 0.03% | -0.44% | -3.04% | -0.69% | -97 bps | |
| Return on Equity | -1.03% | -0.14% | 4.01% | 2.18% | 0.25% | -3.29% | -25.30% | -6.20% | -838 bps | |
| Net Interest Margin | 5.60% | 6.08% | 5.49% | 5.09% | 4.99% | 5.60% | 4.97% | 4.23% | -85 bps | |
| Efficiency Ratio | 102.24% | 100.32% | 90.50% | 94.51% | 99.39% | 107.84% | 160.59% | 113.45% | +1,894 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.43% | -7.66% | -0.29% | 1.25% | 0.01% | -2.47% | -2.41% | 7.76% | +651 bps | |
| Loan Growth (YoY) | 1.01% | -18.19% | -4.74% | 4.77% | 15.25% | 4.28% | 20.42% | 14.30% | +953 bps | |
| Share Growth (YoY) | 24.77% | -6.41% | 0.51% | 2.11% | 1.33% | -2.55% | -1.33% | 9.75% | +764 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.47% | 1.40% | 2.14% | 11.63% | 3.44% | 0.00% | -140 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 | 0.50% | 0.50% | 0.54% | 0.48% | 0.44% | 0.48% | 0.45% | 0.11% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 13.53% | 13.01% | 12.85% | 12.36% | 13.43% | 12.02% | 11.08% | -178 bps | |
| Net Worth / Assets | 12.26% | 13.53% | 13.01% | 12.85% | 12.36% | 13.43% | 12.02% | 11.08% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.78% | 78.12% | 69.23% | 77.56% | 81.65% | 83.60% | 84.49% | 80.78% | +321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |