Brownsville, PA · Charter 4354
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Brownsville, PA · Charter 4354
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -0.30% | -0.72% | -0.14% | -0.28% | -0.23% | -0.86% | -8.01% | -787 bps | |
| Return on Equity | -4.13% | -2.25% | -5.66% | -1.23% | -2.49% | -2.10% | -7.17% | -65.27% | -6,404 bps | |
| Net Interest Margin | 3.80% | 3.14% | 2.97% | 2.79% | 2.77% | 2.76% | 2.94% | 2.93% | +14 bps | |
| Efficiency Ratio | 100.30% | 95.06% | 98.23% | 104.31% | 100.24% | 111.53% | 139.44% | 287% | +18,292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | 1.13% | 4.92% | 15.78% | 16.27% | 9.95% | 1.74% | -21.52% | -3,730 bps | |
| Loan Growth (YoY) | 5.32% | 2.13% | -8.58% | -8.56% | -9.37% | -6.97% | -12.30% | -28.94% | -2,038 bps | |
| Share Growth (YoY) | -3.44% | 1.23% | 6.53% | 19.68% | 20.29% | 12.92% | 2.76% | -22.32% | -4,200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.88% | 1.33% | 0.69% | 0.16% | 0.08% | 0.74% | 2.21% | +153 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 | 0.67% | 0.93% | 1.03% | 1.35% | 1.56% | 0.79% | 0.44% | 0.85% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.13% | 13.15% | 12.74% | 11.30% | 11.18% | 11.03% | 12.00% | 12.27% | +97 bps | |
| Net Worth / Assets | 14.13% | 13.15% | 12.74% | 11.30% | 11.18% | 11.03% | 12.00% | 12.27% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.22% | 51.41% | 49.09% | 45.46% | 43.86% | 42.35% | 41.89% | 41.59% | -388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |