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Lower Bucks Hospital

Bristol, PA · Charter 23491

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

Lower Bucks Hospital

Bristol, PA · Charter 23491

Q2 2012

$1.8MAssets
$213KLoans
$1.7MShares
$125KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.40%, down 44 bps year over year; NIM at 1.85%.
  • Asset quality: problem loans at 6.76% of loans (+228 bps YoY).
  • Capital: net worth / assets of 6.79%, down 150 bps from a year ago.
  • Funding: loans stand at 12.37% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.40%-44 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-61 bps YoY

Efficiency Ratio (YTD, annualized)

171.15%+3,398 bps YoY

Net Worth / Assets

6.79%-150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.96%-1.07%-1.10%-0.99%-1.40%-44 bps
Return on Equity-11.57%-12.48%-13.51%-13.35%-20.68%-911 bps
Net Interest Margin2.46%2.58%2.47%1.95%1.85%-61 bps
Efficiency Ratio137.17%139.55%142.45%148.32%171.15%+3,398 bps
Growth
Asset Growth (YoY)3.78%-3.78%3.46%6.17%2.46%-132 bps
Loan Growth (YoY)-18.15%-28.07%-27.86%-29.09%-35.53%-1,738 bps
Share Growth (YoY)5.75%-2.52%5.51%8.16%4.30%-146 bps
Asset Quality
Delinquent Loans / Loans4.48%5.24%5.80%6.27%6.76%+228 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%1.74%1.88%2.28%2.62%+115 bps
Capital
Risk-Based Capital8.29%8.56%8.11%7.44%6.79%-150 bps
Net Worth / Assets8.29%8.56%8.11%7.44%6.79%-150 bps
Liquidity & Funding
Loans / Shares20.02%18.86%17.94%14.35%12.37%-764 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps