Ellwood City, PA · Charter 636
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.85% | 0.48% | 0.29% | 0.40% | 0.36% | 1.17% | 0.83% | 0.89% | +49 bps | |
| Return on Equity | -6.11% | 3.26% | 1.99% | 2.63% | 2.31% | 7.49% | 5.37% | 5.40% | +277 bps | |
| Net Interest Margin | 1.94% | 2.38% | 2.23% | 2.24% | 2.26% | 2.44% | 2.22% | 2.30% | +6 bps | |
| Efficiency Ratio | 103.73% | 79.79% | 74.10% | 68.60% | 66.69% | 51.87% | 57.18% | 56.36% | -1,224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | -4.21% | -2.58% | -5.00% | -8.57% | -2.41% | -0.67% | -4.29% | +71 bps | |
| Loan Growth (YoY) | 0.53% | -6.40% | -12.53% | -22.33% | -22.66% | -23.45% | -23.66% | -22.52% | -20 bps | |
| Share Growth (YoY) | 3.13% | -4.64% | -2.81% | -5.81% | -10.32% | -3.41% | -1.51% | -5.86% | -5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.02% | 0.54% | 1.38% | 1.26% | 0.28% | 0.00% | 0.00% | -138 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 | 0.39% | 0.43% | 0.74% | 0.70% | 0.61% | 0.68% | 0.60% | 0.71% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.96% | 14.76% | 14.69% | 15.05% | 15.56% | 15.66% | 15.41% | 16.44% | +140 bps | |
| Net Worth / Assets | 13.96% | 14.76% | 14.69% | 15.05% | 15.56% | 15.66% | 15.41% | 16.44% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.48% | 64.04% | 59.65% | 55.95% | 57.34% | 50.76% | 46.24% | 46.05% | -990 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |