Hazleton, PA · Charter 2501
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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 2501
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -0.50% | -0.29% | 0.33% | 0.05% | 0.21% | -0.05% | -4.82% | -515 bps | |
| Return on Equity | -5.84% | -10.46% | -5.75% | 6.50% | 1.00% | 3.96% | -0.79% | -96.25% | -10,275 bps | |
| Net Interest Margin | 2.34% | 2.28% | 2.37% | 2.32% | 2.42% | 2.49% | 2.84% | 2.75% | +43 bps | |
| Efficiency Ratio | 92.66% | 93.01% | 91.24% | 87.31% | 86.73% | 86.72% | 97.32% | 257% | +16,929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.23% | 12.30% | 9.23% | 1.61% | -2.33% | -6.16% | -17.35% | -21.09% | -2,270 bps | |
| Loan Growth (YoY) | -0.63% | -3.54% | -8.24% | -9.49% | -5.95% | -9.59% | -7.22% | -7.51% | +199 bps | |
| Share Growth (YoY) | 14.46% | 13.50% | 10.14% | 1.87% | -2.44% | -6.83% | -18.24% | -21.08% | -2,295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.18% | 0.52% | 1.16% | 0.99% | 0.32% | 0.33% | 0.42% | 0.42% | -57 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 | 0.25% | 0.44% | 0.46% | 0.49% | 0.44% | 0.39% | 0.36% | 0.40% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.05% | 4.80% | 4.96% | 5.02% | 5.06% | 5.38% | 5.95% | 5.01% | -1 bps | |
| Net Worth / Assets | 5.05% | 4.80% | 4.96% | 5.02% | 5.06% | 5.38% | 5.95% | 5.01% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.89% | 47.25% | 47.54% | 45.82% | 47.13% | 45.85% | 53.95% | 53.70% | +788 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |