Ellwood City, PA · Charter 469
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 | -17.67% | -0.27% | 19.79% | -1.02% | -0.73% | -1.61% | -1.55% | -2.31% | -129 bps | |
| Return on Equity | -160.04% | -2.34% | 77.96% | -3.99% | -2.88% | -6.48% | -6.46% | -9.35% | -537 bps | |
| Net Interest Margin | 3.39% | 3.76% | 3.39% | 2.65% | 2.60% | 2.43% | 2.22% | 1.79% | -85 bps | |
| Efficiency Ratio | n/a | 107.27% | 15.31% | 137.39% | 127.70% | 165.80% | 169.25% | 228% | +9,046 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.42% | -6.63% | 3.26% | -12.95% | 1.46% | 6.90% | -2.61% | -4.27% | +868 bps | |
| Loan Growth (YoY) | -26.25% | -16.77% | -20.65% | -12.79% | -6.25% | -17.65% | -16.65% | -19.09% | -629 bps | |
| Share Growth (YoY) | 23.47% | 15.70% | 7.44% | -14.11% | -15.26% | -10.03% | -2.04% | -4.73% | +938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.21% | 14.93% | 8.12% | 11.36% | 10.84% | 14.32% | 24.05% | 24.32% | +1,296 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 | 12.15% | 11.69% | 4.60% | 4.88% | 9.36% | 10.26% | 10.25% | 11.21% | +633 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.04% | 11.74% | 25.38% | 25.46% | 25.36% | 24.91% | 24.03% | 24.66% | -81 bps | |
| Net Worth / Assets | 11.04% | 11.74% | 25.38% | 25.46% | 25.36% | 24.91% | 24.03% | 24.66% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.43% | 18.36% | 19.27% | 18.71% | 18.18% | 16.81% | 16.39% | 15.89% | -282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |