Chambersburg, PA · Charter 65353
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | 0.00% | 0.88% | 0.87% | 0.68% | 0.50% | 0.10% | -3.67% | -454 bps | |
| Return on Equity | -3.14% | 0.00% | 13.17% | 12.68% | 9.49% | 6.92% | 1.48% | -60.63% | -7,330 bps | |
| Net Interest Margin | 4.87% | 5.01% | 4.98% | 4.95% | 5.13% | 5.07% | 4.57% | 4.70% | -25 bps | |
| Efficiency Ratio | 101.50% | 96.98% | 85.46% | 83.12% | 87.61% | 87.97% | 98.19% | 138.59% | +5,547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.37% | 5.02% | 7.02% | 1.01% | -0.80% | -0.08% | 0.84% | -12.00% | -1,300 bps | |
| Loan Growth (YoY) | 0.53% | -0.84% | 1.84% | 7.54% | 4.54% | -1.68% | -2.21% | -6.41% | -1,395 bps | |
| Share Growth (YoY) | 11.35% | 5.31% | 7.50% | 0.42% | -1.79% | -0.58% | 0.42% | -11.16% | -1,157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.14% | 0.27% | 0.67% | 0.70% | 2.28% | 1.65% | 0.88% | +20 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 | 0.83% | 0.99% | 0.89% | 0.96% | 1.00% | 1.35% | 1.19% | 1.40% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.42% | 6.65% | 6.66% | 6.89% | 7.15% | 7.17% | 6.90% | 6.05% | -85 bps | |
| Net Worth / Assets | 6.42% | 6.65% | 6.66% | 6.89% | 7.15% | 7.17% | 6.90% | 6.05% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.15% | 74.25% | 70.64% | 75.85% | 76.80% | 73.43% | 68.78% | 79.90% | +405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |