Midland, PA · Charter 650
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.00% | 0.00% | -0.41% | -0.26% | -0.31% | -0.24% | -0.08% | +32 bps | |
| Return on Equity | 1.36% | 0.05% | 0.00% | -4.28% | -2.72% | -3.22% | -2.59% | -0.91% | +337 bps | |
| Net Interest Margin | 2.51% | 2.49% | 2.41% | 2.05% | 2.17% | 2.16% | 2.13% | 1.88% | -17 bps | |
| Efficiency Ratio | 95.55% | 99.72% | 99.90% | 114.37% | 107.75% | 109.29% | 107.00% | 100.90% | -1,347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 3.66% | 3.41% | -2.08% | -2.49% | -2.14% | -1.26% | 0.18% | +226 bps | |
| Loan Growth (YoY) | 7.95% | 1.19% | -5.96% | -6.43% | -6.85% | -4.25% | -1.87% | -3.02% | +340 bps | |
| Share Growth (YoY) | 3.70% | 3.97% | 3.85% | -0.73% | -1.15% | -0.75% | 0.14% | 0.21% | +94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 2.11% | 1.40% | 2.19% | 1.63% | 3.18% | 2.57% | 2.80% | +61 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 | 0.62% | 0.42% | 0.39% | 0.41% | 0.45% | 0.38% | 0.30% | 0.36% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.61% | 9.64% | 9.56% | 9.47% | 9.65% | 9.62% | 9.44% | 9.29% | -18 bps | |
| Net Worth / Assets | 9.61% | 9.64% | 9.56% | 9.47% | 9.65% | 9.62% | 9.44% | 9.29% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.08% | 34.72% | 33.12% | 32.16% | 33.06% | 33.50% | 32.45% | 31.12% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |