Hazleton, PA · Charter 23817
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Hazleton, PA · Charter 23817
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.94% | -2.73% | -0.84% | -0.67% | -0.38% | -0.56% | -0.38% | -0.44% | +23 bps | |
| Return on Equity | -8.55% | -28.39% | -8.57% | -6.75% | -4.82% | -7.02% | -4.77% | -5.50% | +125 bps | |
| Net Interest Margin | 1.32% | 1.42% | 1.16% | 1.17% | 0.98% | 0.91% | 0.97% | 0.92% | -25 bps | |
| Efficiency Ratio | 163.58% | 163.54% | 138.51% | 134.64% | 126.87% | 144.82% | 138.26% | 147.00% | +1,236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.77% | -8.37% | -10.57% | -12.23% | 11.16% | 12.50% | 14.37% | 13.61% | +2,584 bps | |
| Loan Growth (YoY) | -4.84% | -18.29% | -7.86% | -14.82% | -11.67% | -7.93% | -20.73% | -20.39% | -557 bps | |
| Share Growth (YoY) | -3.16% | -6.59% | -9.06% | -10.86% | 15.02% | 14.75% | 16.84% | 16.13% | +2,698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.21% | 23.22% | 14.61% | 12.86% | 15.06% | 34.59% | 22.33% | 16.23% | +338 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 | 2.86% | 5.81% | 5.68% | 4.69% | 4.38% | 4.75% | 5.37% | 5.87% | +118 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.96% | 9.63% | 9.83% | 9.93% | 7.89% | 7.92% | 8.03% | 8.08% | -186 bps | |
| Net Worth / Assets | 10.96% | 9.63% | 9.83% | 9.93% | 7.89% | 7.92% | 8.03% | 8.08% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.80% | 32.08% | 34.33% | 32.02% | 26.72% | 25.74% | 23.29% | 21.95% | -1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |