Monaca, PA · Charter 5176
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Monaca, PA · Charter 5176
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.46% | -0.33% | -0.43% | -0.67% | -0.45% | -0.34% | -0.65% | -22 bps | |
| Return on Equity | -4.27% | -4.20% | -3.48% | -4.38% | -6.82% | -4.54% | -3.73% | -7.43% | -305 bps | |
| Net Interest Margin | 3.33% | 3.41% | 3.01% | 3.04% | 3.12% | 3.17% | 2.89% | 3.01% | -3 bps | |
| Efficiency Ratio | 104.46% | 105.89% | 109.00% | 111.47% | 108.88% | 105.17% | 109.62% | 105.08% | -639 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 1.37% | 1.35% | 2.07% | 1.65% | 4.51% | -0.08% | 5.76% | +369 bps | |
| Loan Growth (YoY) | 0.58% | -4.12% | 2.99% | 8.59% | 16.87% | 21.98% | 24.31% | 26.55% | +1,796 bps | |
| Share Growth (YoY) | 1.63% | 2.21% | 2.23% | 3.15% | 2.68% | 5.72% | 0.54% | 5.27% | +211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.22% | 4.43% | 4.53% | 3.93% | 3.80% | 3.11% | 2.72% | 1.79% | -214 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 | 0.42% | 0.32% | 0.46% | 0.16% | 0.56% | 0.56% | 0.53% | 0.70% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.80% | 11.01% | 9.50% | 9.82% | 9.79% | 9.86% | 9.09% | 8.75% | -107 bps | |
| Net Worth / Assets | 10.80% | 11.01% | 9.50% | 9.82% | 9.79% | 9.86% | 9.09% | 8.75% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.44% | 61.60% | 53.56% | 60.06% | 66.51% | 71.07% | 66.23% | 72.21% | +1,215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |