Leola, PA · Charter 9267
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.22% | 0.65% | -0.10% | 1.22% | -0.59% | -0.55% | -2.20% | -8.39% | -961 bps | |
| Return on Equity | -10.10% | 2.95% | -0.48% | 5.57% | -2.59% | -2.16% | -9.09% | -35.48% | -4,106 bps | |
| Net Interest Margin | 2.68% | 2.62% | 2.37% | 3.29% | 2.84% | 3.37% | 1.72% | 2.20% | -108 bps | |
| Efficiency Ratio | 178.77% | 76.12% | 104.23% | 63.61% | 120.42% | 116.09% | 228% | 481% | +41,702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.24% | -4.25% | -2.02% | -2.62% | -5.48% | -14.66% | -13.05% | -21.05% | -1,842 bps | |
| Loan Growth (YoY) | -2.65% | -6.40% | 5.92% | -9.96% | -21.67% | -38.40% | -49.96% | -40.35% | -3,038 bps | |
| Share Growth (YoY) | -6.74% | -3.44% | -1.58% | -2.70% | -6.41% | -18.43% | -15.79% | -22.81% | -2,011 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.00% | 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 | 2.44% | 2.63% | 2.33% | 2.61% | 3.11% | 4.19% | 4.61% | 4.32% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.99% | 22.07% | 21.70% | 21.90% | 22.77% | 25.51% | 24.17% | 23.64% | +174 bps | |
| Net Worth / Assets | 21.99% | 22.07% | 21.70% | 21.90% | 22.77% | 25.51% | 24.17% | 23.64% | +174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.50% | 42.34% | 46.85% | 43.00% | 38.08% | 31.97% | 27.84% | 33.23% | -977 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |