Petrolia, PA · Charter 5613
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 | -0.23% | -0.34% | -0.10% | -0.21% | -0.23% | -0.10% | -0.23% | -0.06% | +15 bps | |
| Return on Equity | -1.79% | -2.66% | -0.82% | -1.70% | -1.78% | -0.82% | -1.93% | -0.51% | +119 bps | |
| Net Interest Margin | 2.29% | 2.39% | 2.14% | 2.23% | 2.24% | 2.17% | 1.90% | 1.98% | -25 bps | |
| Efficiency Ratio | 109.09% | 102.76% | 104.03% | 91.98% | 93.15% | 92.27% | 110.67% | 102.71% | +1,073 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.09% | 5.06% | 5.81% | -2.20% | -2.55% | 3.31% | 3.56% | 6.12% | +831 bps | |
| Loan Growth (YoY) | -0.55% | -4.74% | -4.19% | -13.27% | -18.38% | -18.01% | -10.61% | 3.66% | +1,693 bps | |
| Share Growth (YoY) | 4.96% | 6.27% | 7.01% | -2.06% | -2.37% | 3.93% | 4.22% | 7.03% | +909 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.16% | 1.30% | 0.72% | 0.94% | 0.27% | 0.22% | 0.18% | -54 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 | 0.16% | 0.49% | 0.53% | 0.48% | 0.63% | 0.69% | 0.65% | 0.63% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.70% | 12.68% | 12.20% | 12.41% | 12.69% | 12.17% | 11.65% | 11.67% | -74 bps | |
| Net Worth / Assets | 12.70% | 12.68% | 12.20% | 12.41% | 12.69% | 12.17% | 11.65% | 11.67% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.56% | 44.36% | 40.47% | 37.69% | 39.76% | 34.99% | 34.71% | 36.50% | -119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |