Feasterville, PA · Charter 6631
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Feasterville, PA · Charter 6631
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.23% | 2.94% | 2.35% | 2.13% | 1.77% | 5.74% | 4.77% | +242 bps | |
| Return on Equity | 3.18% | 0.88% | 12.44% | 9.12% | 8.45% | 6.30% | 21.29% | 15.92% | +680 bps | |
| Net Interest Margin | 5.22% | 5.65% | 5.31% | 5.32% | 5.47% | 6.06% | 8.69% | 9.10% | +378 bps | |
| Efficiency Ratio | 52.36% | 54.11% | 33.59% | 44.09% | 44.43% | 44.53% | 30.50% | 31.35% | -1,274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.00% | 1.97% | 8.87% | 8.67% | -3.31% | 0.20% | -4.34% | -4.85% | -1,352 bps | |
| Loan Growth (YoY) | -13.88% | -20.54% | -10.67% | 31.58% | 14.62% | 22.95% | 53.47% | 34.92% | +334 bps | |
| Share Growth (YoY) | 10.49% | 2.11% | 11.89% | 9.97% | -6.09% | -2.85% | -7.96% | -10.15% | -2,012 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.23% | 9.20% | 8.41% | 7.83% | 4.90% | 4.84% | 0.00% | 0.00% | -783 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 | 5.05% | 7.34% | 7.25% | 7.39% | 7.26% | 8.54% | 3.15% | 4.28% | -311 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.24% | 26.44% | 23.62% | 25.74% | 25.27% | 28.17% | 26.96% | 29.94% | +420 bps | |
| Net Worth / Assets | 23.24% | 26.44% | 23.62% | 25.74% | 25.27% | 28.17% | 26.96% | 29.94% | +420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.81% | 65.15% | 56.96% | 67.50% | 68.12% | 82.45% | 94.98% | 101.36% | +3,386 bps | |
| Liquid Assets / Assets | 53.56% | 55.40% | 54.15% | 52.77% | 46.67% | 46.26% | 26.54% | 31.14% | -2,162 bps | |