Collegeville, PA · Charter 63730
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Collegeville, PA · Charter 63730
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.04% | -0.41% | -0.63% | -0.59% | -1.11% | -1.82% | -2.67% | -204 bps | |
| Return on Equity | -0.59% | -0.11% | -1.09% | -1.66% | -1.50% | -2.84% | -4.38% | -6.29% | -462 bps | |
| Net Interest Margin | 3.17% | 3.31% | 3.24% | 3.30% | 3.34% | 2.95% | 2.95% | 2.98% | -33 bps | |
| Efficiency Ratio | 102.56% | 101.15% | 111.87% | 117.95% | 116.55% | 135.00% | 157.23% | 183.68% | +6,573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.18% | -13.63% | -11.55% | -11.52% | -9.87% | -8.03% | -11.45% | -14.78% | -327 bps | |
| Loan Growth (YoY) | -2.33% | -7.45% | -5.08% | -5.45% | -4.39% | -15.04% | -16.74% | -10.64% | -519 bps | |
| Share Growth (YoY) | -18.89% | -18.39% | -17.03% | -16.66% | -14.30% | -11.56% | -16.79% | -20.84% | -418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.62% | 0.43% | 0.00% | 0.03% | 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 | 1.17% | 1.18% | 1.18% | 0.76% | 0.78% | 0.86% | 0.88% | 1.03% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.95% | 36.85% | 37.98% | 38.00% | 39.19% | 39.21% | 41.58% | 42.48% | +448 bps | |
| Net Worth / Assets | 35.95% | 36.85% | 37.98% | 38.00% | 39.19% | 39.21% | 41.58% | 42.48% | +448 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.49% | 85.54% | 90.88% | 90.46% | 92.02% | 82.17% | 90.94% | 102.12% | +1,166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |