Warren, PA · Charter 4182
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 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.
Warren, PA · Charter 4182
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -0.18% | -0.19% | -0.18% | 0.02% | -0.19% | -0.17% | -0.09% | +9 bps | |
| Return on Equity | -8.21% | -2.51% | -2.65% | -2.49% | 0.22% | -2.75% | -2.53% | -1.33% | +116 bps | |
| Net Interest Margin | 2.50% | 2.64% | 2.36% | 2.47% | 2.39% | 2.43% | 2.12% | 2.26% | -21 bps | |
| Efficiency Ratio | 104.34% | 105.13% | 107.87% | 103.77% | 101.94% | 99.47% | 101.94% | 97.29% | -648 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | 3.74% | 0.80% | 0.62% | 3.85% | 5.18% | 4.93% | 3.72% | +311 bps | |
| Loan Growth (YoY) | 2.23% | -1.65% | -4.48% | -8.13% | -10.71% | -9.41% | -11.08% | -12.45% | -432 bps | |
| Share Growth (YoY) | 2.22% | 4.68% | 1.44% | 1.16% | 4.01% | 5.62% | 5.36% | 4.09% | +293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 1.77% | 2.17% | 3.06% | 5.77% | 2.81% | 4.09% | 2.61% | -45 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 | 0.66% | 0.41% | 0.37% | 0.45% | 0.15% | 0.21% | 0.23% | 0.26% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.54% | 7.29% | 7.08% | 7.28% | 7.31% | 6.94% | 6.77% | 7.10% | -19 bps | |
| Net Worth / Assets | 7.54% | 7.29% | 7.08% | 7.28% | 7.31% | 6.94% | 6.77% | 7.10% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.74% | 54.88% | 52.92% | 54.13% | 50.43% | 47.07% | 44.66% | 45.53% | -860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.46% | 0.00% | 0.00% | 0 bps | |