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Barta-Berks Employees

Reading, PA · Charter 5594

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Barta-Berks Employees

Reading, PA · Charter 5594

Q4 2013

$1.8MAssets
$514KLoans
$1.6MShares
$134KNet Worth

Executive Summary

  • Earnings: ROA of -0.23%, up 110 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 1.76% of loans (-166 bps YoY).
  • Capital: net worth / assets of 7.58%, up 109 bps from a year ago.
  • Funding: loans stand at 31.33% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-0.23%+110 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-55 bps YoY

Efficiency Ratio (YTD, annualized)

103.05%-1,003 bps YoY

Net Worth / Assets

7.58%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.41%-1.51%-1.70%-1.33%0.00%0.14%0.37%-0.23%+110 bps
Return on Equity-24.86%-28.50%-32.65%-20.52%0.00%2.02%4.73%-3.08%+1,744 bps
Net Interest Margin2.78%2.63%2.74%3.57%2.67%2.72%2.91%3.02%-55 bps
Efficiency Ratio112.85%124.17%128.80%113.08%100.00%98.04%95.25%103.05%-1,003 bps
Growth
Asset Growth (YoY)0.52%1.75%-2.89%-14.92%-23.74%-27.12%-28.56%-16.97%-205 bps
Loan Growth (YoY)-28.50%-27.11%-26.04%-18.42%-5.63%-6.21%0.06%-6.55%+1,187 bps
Share Growth (YoY)1.63%3.52%-1.46%-14.90%-24.38%-28.36%-30.37%-17.68%-279 bps
Asset Quality
Delinquent Loans / Loans8.94%2.44%3.37%3.43%3.34%0.74%0.98%1.76%-166 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.62%0.17%1.21%1.16%1.24%1.27%1.08%1.65%+49 bps
Capital
Risk-Based Capital5.68%5.31%5.20%6.48%6.57%6.97%7.79%7.58%+109 bps
Net Worth / Assets5.68%5.31%5.20%6.48%6.57%6.97%7.79%7.58%+109 bps
Liquidity & Funding
Loans / Shares21.02%21.02%21.41%27.59%26.23%27.52%30.76%31.33%+373 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps