Callery, PA · Charter 64272
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 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.
Callery, PA · Charter 64272
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 0.76% | -0.27% | -0.54% | -1.66% | -2.17% | -1.37% | -6.34% | -580 bps | |
| Return on Equity | 6.76% | 3.94% | -1.45% | -2.88% | -9.10% | -11.99% | -7.96% | -54.61% | -5,173 bps | |
| Net Interest Margin | 3.79% | 3.83% | 4.16% | 4.26% | 4.05% | 4.09% | 3.90% | -1.21% | -547 bps | |
| Efficiency Ratio | 141.74% | 124.06% | 119.57% | 115.94% | 145.14% | 132.52% | 126.79% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.90% | 10.58% | 10.18% | 5.39% | -0.72% | -5.25% | 0.71% | 5.04% | -35 bps | |
| Loan Growth (YoY) | -4.67% | -6.85% | 2.34% | 5.34% | 11.06% | 9.75% | 6.10% | -1.97% | -731 bps | |
| Share Growth (YoY) | 14.20% | 13.12% | 13.36% | 7.52% | 0.30% | -4.13% | 2.39% | 14.33% | +681 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.83% | 1.97% | 2.03% | 2.47% | 2.24% | 2.85% | 2.40% | 0.32% | -215 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 | 1.87% | 1.61% | 1.91% | 2.01% | 1.82% | 2.07% | 1.77% | 0.96% | -105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.38% | 19.33% | 18.73% | 18.86% | 18.24% | 18.14% | 17.24% | 11.62% | -725 bps | |
| Net Worth / Assets | 19.38% | 19.33% | 18.73% | 18.86% | 18.24% | 18.14% | 17.24% | 11.62% | -725 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.92% | 69.02% | 73.18% | 78.49% | 77.42% | 79.01% | 75.83% | 67.29% | -1,119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |