York, PA · Charter 7566
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | -0.24% | -0.59% | -0.76% | 0.51% | -0.21% | -1.28% | -2.40% | -164 bps | |
| Return on Equity | 1.10% | -0.47% | -1.16% | -1.48% | 1.03% | -0.43% | -2.58% | -4.83% | -336 bps | |
| Net Interest Margin | 6.17% | 5.42% | 5.31% | 5.14% | 4.86% | 4.71% | 3.97% | 3.57% | -157 bps | |
| Efficiency Ratio | 90.79% | 104.39% | 111.09% | 114.66% | 89.44% | 104.55% | 132.20% | 167.17% | +5,251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | -1.09% | 4.13% | 1.49% | 1.84% | -0.24% | 0.39% | -1.06% | -256 bps | |
| Loan Growth (YoY) | -26.12% | -32.27% | -31.25% | -37.68% | -32.31% | -8.80% | 55.55% | 55.32% | +9,299 bps | |
| Share Growth (YoY) | -1.69% | -1.12% | 10.34% | 4.83% | 5.33% | 0.94% | 3.35% | 2.10% | -273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.28% | 1.42% | 1.66% | 1.81% | 0.32% | 0.27% | 0.18% | 0.20% | -161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 51.44% | 50.70% | 51.12% | 51.16% | 49.76% | 50.09% | 49.65% | 49.55% | -162 bps | |
| Net Worth / Assets | 51.44% | 50.70% | 51.12% | 51.16% | 49.76% | 50.09% | 49.65% | 49.55% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.75% | 38.49% | 33.82% | 31.27% | 28.12% | 34.78% | 50.90% | 47.56% | +1,630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |