Harrisburg, PA · Charter 24462
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Harrisburg, PA · Charter 24462
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | -2.25% | -0.51% | -1.18% | -1.53% | -1.22% | -1.33% | -2.32% | -114 bps | |
| Return on Equity | 2.34% | -25.67% | -5.76% | -12.77% | -18.15% | -15.33% | -17.72% | -35.13% | -2,236 bps | |
| Net Interest Margin | 2.94% | 2.98% | 3.30% | 3.16% | 3.07% | 2.88% | 2.80% | 2.81% | -35 bps | |
| Efficiency Ratio | 95.81% | 187.96% | 108.14% | 131.26% | 136.13% | 133.85% | 138.55% | 149.60% | +1,835 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.57% | -4.20% | -2.76% | -8.14% | -10.44% | -14.28% | -9.74% | -4.70% | +344 bps | |
| Loan Growth (YoY) | -6.46% | 0.13% | -11.47% | -20.38% | -25.39% | -35.03% | -25.97% | -22.12% | -174 bps | |
| Share Growth (YoY) | -6.99% | -2.81% | -1.30% | -8.20% | -9.67% | -13.03% | -8.11% | -1.55% | +665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.59% | 13.34% | 1.87% | 2.61% | 4.99% | 2.77% | 2.45% | 1.64% | -96 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 | 0.76% | 0.39% | 0.37% | 0.45% | 0.48% | 0.45% | 0.43% | 0.62% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.04% | 8.76% | 8.83% | 9.23% | 8.42% | 7.97% | 7.51% | 6.61% | -262 bps | |
| Net Worth / Assets | 9.04% | 8.76% | 8.83% | 9.23% | 8.42% | 7.97% | 7.51% | 6.61% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.39% | 56.17% | 53.67% | 48.23% | 45.75% | 41.96% | 43.24% | 38.15% | -1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |