Troy, PA · Charter 23260
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Troy, PA · Charter 23260
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 1.82% | 0.91% | 0.67% | 0.31% | -54 bps | |
| Return on Equity | 4.88% | 10.90% | 5.55% | 4.26% | 1.51% | -337 bps | |
| Net Interest Margin | 6.15% | 6.57% | 5.66% | 5.15% | 6.09% | -6 bps | |
| Efficiency Ratio | 74.65% | 72.46% | 76.85% | 78.68% | 86.10% | +1,146 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.41% | -6.59% | -8.26% | -7.69% | -13.62% | +78 bps | |
| Loan Growth (YoY) | -15.26% | -23.31% | -21.61% | -22.05% | -32.39% | -1,713 bps | |
| Share Growth (YoY) | -16.65% | -9.06% | -10.21% | -9.17% | -16.85% | -19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 5.92% | 5.05% | 6.12% | 7.08% | +570 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.52% | 1.96% | 2.45% | 2.25% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.31% | 16.68% | 16.40% | 15.75% | 20.34% | +304 bps | |
| Net Worth / Assets | 17.31% | 16.68% | 16.40% | 15.75% | 20.34% | +304 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.20% | 53.39% | 47.41% | 42.23% | 51.39% | -1,181 bps | |
| Liquid Assets / Assets | 47.34% | 44.88% | 60.38% | 62.92% | 56.89% | +954 bps | |