PackageTrendsPeer
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Binney & Smith Inc. Easton Employee

Easton, PA · Charter 65562

Q1 2013

$7.2MAssets
$3.2MLoans
$6.0MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.25%, up 31 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.54%, up 42 bps from a year ago.
  • Funding: loans stand at 54.21% of shares as of Q1 2013.

Return on Assets (quarter, annualized)

0.25%+31 bps YoY

Net Interest Margin (quarter, annualized)

2.63%+9 bps YoY

Efficiency Ratio (quarter, annualized)

91.80%-1,016 bps YoY

Net Worth / Assets

17.54%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.38%-0.39%-0.27%-0.06%0.04%0.02%0.12%0.25%+31 bps
Return on Equity-2.08%-2.18%-1.47%-0.34%0.26%0.10%0.66%1.42%+176 bps
Net Interest Margin2.83%2.78%2.84%2.54%2.61%2.66%2.83%2.63%+9 bps
Efficiency Ratio111.16%111.93%108.06%101.96%98.52%99.44%96.32%91.80%-1,016 bps
Growth
Asset Growth (YoY)5.08%-0.23%-1.96%3.36%4.96%2.47%0.58%-1.34%-470 bps
Loan Growth (YoY)-11.41%-3.65%-3.19%2.40%10.67%14.36%24.43%15.31%+1,291 bps
Share Growth (YoY)7.13%0.72%-2.57%4.52%6.22%2.84%0.52%-1.91%-642 bps
Asset Quality
Delinquent Loans / Loans0.02%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.26%0.26%0.26%0.25%0.23%0.21%0.23%-3 bps
Capital
Risk-Based Capital18.10%17.91%18.39%17.12%17.19%17.60%18.40%17.54%+42 bps
Net Worth / Assets18.10%17.91%18.39%17.12%17.19%17.60%18.40%17.54%+42 bps
Liquidity & Funding
Loans / Shares46.96%48.71%49.62%46.12%48.93%54.17%61.42%54.21%+810 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps