Bradford, PA · Charter 63047
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Bradford, PA · Charter 63047
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.47% | -1.77% | -1.12% | 1.08% | -0.24% | -0.57% | -0.15% | -1.28% | -236 bps | |
| Return on Equity | -11.83% | -8.72% | -5.26% | 5.11% | -1.18% | -2.84% | -0.68% | -6.36% | -1,147 bps | |
| Net Interest Margin | 3.67% | 3.70% | 3.83% | 4.06% | 3.90% | 3.80% | 4.00% | 3.24% | -82 bps | |
| Efficiency Ratio | 132.26% | 125.10% | 131.17% | 109.18% | 98.44% | 109.79% | 103.67% | 164.44% | +5,526 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.03% | -4.15% | -3.24% | 0.06% | 3.63% | -0.38% | 0.12% | 0.93% | +87 bps | |
| Loan Growth (YoY) | 6.34% | 14.12% | 7.51% | -2.98% | -5.71% | -19.72% | -21.37% | -25.11% | -2,212 bps | |
| Share Growth (YoY) | -6.40% | -2.77% | -2.50% | 0.01% | 4.55% | -0.35% | 0.34% | 1.24% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 1.01% | 0.11% | 1.27% | 0.20% | 0.25% | 0.72% | 3.76% | +249 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 | 1.57% | 1.47% | 0.57% | 0.10% | 0.86% | 0.95% | 1.01% | 1.07% | +97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.92% | 20.30% | 21.36% | 21.08% | 20.20% | 20.20% | 21.32% | 20.16% | -92 bps | |
| Net Worth / Assets | 20.92% | 20.30% | 21.36% | 21.08% | 20.20% | 20.20% | 21.32% | 20.16% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.47% | 95.66% | 97.47% | 92.81% | 83.40% | 77.07% | 76.38% | 68.66% | -2,415 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |