E. Stroudsburg, PA · Charter 8608
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
E. Stroudsburg, PA · Charter 8608
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | -1.98% | -2.20% | -2.04% | -1.59% | -1.49% | -1.75% | -1.93% | +10 bps | |
| Return on Equity | -3.73% | -8.47% | -9.71% | -8.97% | -7.54% | -7.10% | -8.32% | -10.06% | -109 bps | |
| Net Interest Margin | 1.93% | 1.55% | 1.50% | 1.53% | 1.37% | 1.34% | 1.26% | 0.68% | -85 bps | |
| Efficiency Ratio | 143.99% | 216% | 215% | 211% | 199.19% | 204% | 210% | 327% | +11,616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.37% | 4.52% | 4.90% | 4.59% | 9.32% | 4.20% | 0.39% | 9.07% | +448 bps | |
| Loan Growth (YoY) | -17.03% | -10.25% | -14.34% | -13.09% | -11.13% | -20.26% | -30.01% | -35.29% | -2,220 bps | |
| Share Growth (YoY) | 23.55% | 7.05% | 7.28% | 7.83% | 14.60% | 7.15% | 2.97% | 14.15% | +631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.50% | 20.58% | 17.24% | 17.06% | 13.12% | 12.53% | 4.22% | 3.44% | -1,362 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 | 4.41% | 4.51% | 4.81% | 5.01% | 1.25% | 1.41% | 2.16% | 2.40% | -260 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.83% | 23.38% | 22.63% | 22.71% | 21.12% | 20.93% | 21.10% | 19.22% | -350 bps | |
| Net Worth / Assets | 24.83% | 23.38% | 22.63% | 22.71% | 21.12% | 20.93% | 21.10% | 19.22% | -350 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.76% | 43.51% | 40.78% | 40.42% | 36.26% | 32.38% | 27.72% | 22.91% | -1,751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |