York, PA · Charter 24457
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
York, PA · Charter 24457
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.51% | -0.18% | -0.03% | -2.03% | -245 bps | |
| Return on Equity | 2.96% | 3.85% | -1.42% | -0.21% | -18.29% | -2,126 bps | |
| Net Interest Margin | 4.48% | 4.69% | 4.12% | 4.25% | 4.16% | -33 bps | |
| Efficiency Ratio | 91.20% | 84.11% | 95.04% | 94.04% | 132.04% | +4,084 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.69% | -3.16% | 6.26% | -2.81% | 4.74% | +1,243 bps | |
| Loan Growth (YoY) | -10.05% | -5.51% | -6.61% | -3.53% | -7.86% | +219 bps | |
| Share Growth (YoY) | -8.75% | -3.48% | 7.65% | -3.22% | 7.72% | +1,647 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 1.94% | 1.89% | 1.51% | 0.94% | -128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.37% | 0.12% | 0.04% | 0.33% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.03% | 13.13% | 12.38% | 13.57% | 11.10% | -293 bps | |
| Net Worth / Assets | 14.03% | 13.13% | 12.38% | 13.57% | 11.10% | -293 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.80% | 53.63% | 49.78% | 54.16% | 50.30% | -850 bps | |
| Liquid Assets / Assets | 34.76% | 40.91% | 44.67% | 39.15% | 32.86% | -191 bps | |