Bradford, PA · Charter 65403
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Bradford, PA · Charter 65403
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | -0.38% | 0.00% | 0.87% | -2.55% | 0.47% | -1.51% | -8.48% | -934 bps | |
| Return on Equity | 1.41% | -1.14% | 0.01% | 2.78% | -8.08% | 1.56% | -4.90% | -30.61% | -3,338 bps | |
| Net Interest Margin | 7.06% | 5.84% | 6.10% | 4.44% | 6.96% | 5.00% | 6.17% | 6.02% | +158 bps | |
| Efficiency Ratio | 93.46% | 105.99% | 97.65% | 80.50% | 134.70% | 90.55% | 124.43% | 241% | +16,031 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.67% | -18.78% | -15.34% | -3.45% | -6.60% | -1.20% | -6.78% | -17.98% | -1,452 bps | |
| Loan Growth (YoY) | -7.25% | -13.08% | 19.32% | 5.48% | -7.43% | -16.76% | -34.80% | -39.53% | -4,501 bps | |
| Share Growth (YoY) | -6.16% | -20.87% | -17.88% | -8.19% | -8.79% | 3.09% | -3.76% | -13.86% | -567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.74% | 7.10% | 5.96% | 6.00% | 0.75% | 6.70% | 7.28% | 8.00% | +200 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 | 7.50% | 8.05% | 6.89% | 7.25% | 2.27% | 7.26% | 7.94% | 9.00% | +175 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.87% | 33.21% | 32.94% | 31.15% | 31.51% | 30.32% | 30.77% | 27.70% | -345 bps | |
| Net Worth / Assets | 29.87% | 33.21% | 32.94% | 31.15% | 31.51% | 30.32% | 30.77% | 27.70% | -345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.93% | 109.22% | 125.10% | 108.77% | 105.48% | 88.19% | 84.75% | 76.35% | -3,242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |