Karns City, PA · Charter 61245
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.44% | -0.41% | -0.38% | -0.07% | -0.14% | -0.24% | -0.23% | +15 bps | |
| Return on Equity | -2.22% | -5.23% | -4.82% | -4.24% | -0.82% | -1.59% | -2.73% | -2.50% | +174 bps | |
| Net Interest Margin | 2.29% | 2.21% | 2.31% | 2.41% | 2.28% | 2.29% | 2.28% | 2.33% | -8 bps | |
| Efficiency Ratio | 105.13% | 110.08% | 107.98% | 108.19% | 102.94% | 105.81% | 110.06% | 109.21% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.12% | 9.36% | 4.89% | 1.31% | -1.87% | -6.12% | -4.75% | -4.96% | -627 bps | |
| Loan Growth (YoY) | 7.71% | 11.22% | 11.64% | 9.45% | 7.90% | -4.98% | -9.43% | -10.43% | -1,988 bps | |
| Share Growth (YoY) | 10.69% | 11.03% | 5.88% | 1.95% | -1.53% | -6.34% | -4.97% | -5.23% | -718 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.61% | 0.43% | 0.57% | 0.59% | 0.58% | 0.62% | 0.63% | 0.66% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.83% | 8.44% | 8.53% | 8.85% | 8.66% | 8.78% | 8.72% | 9.09% | +23 bps | |
| Net Worth / Assets | 8.83% | 8.44% | 8.53% | 8.85% | 8.66% | 8.78% | 8.72% | 9.09% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.52% | 38.66% | 40.57% | 41.06% | 41.11% | 39.22% | 38.67% | 38.81% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |