Albion, PA · Cert 10032
FDIC · 5 branches
Q3 2015
Market Position · Erie, PA · 2015 SOD (annual) · 1.3% share · #8 of 12 inst. · $0.1B of $4.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.75% | 0.80% | 0.83% | 0.83% | 0.77% | 1.00% | -0.15% | -98 bps | |
| Return on Equity | 4.44% | 3.77% | 4.01% | 4.15% | 4.16% | 3.81% | 4.94% | -0.74% | -489 bps | |
| Net Interest Margin | 2.90% | 2.85% | 2.85% | 2.88% | 2.88% | 2.89% | 3.06% | 2.98% | +10 bps | |
| Efficiency Ratio | 61.12% | 65.29% | 63.74% | 62.87% | 62.63% | 64.59% | 62.73% | 111.07% | +4,820 bps | |
| Non-Interest Burden | 1.58% | 1.71% | 1.65% | 1.63% | 1.63% | 1.73% | 1.76% | 3.36% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.56% | -1.83% | -2.10% | -0.05% | 0.49% | -1.61% | -2.46% | -3.36% | -331 bps | |
| Loan Growth (YoY) | -5.95% | -5.78% | -4.20% | -3.88% | -1.31% | -3.65% | -4.98% | -5.79% | -191 bps | |
| Deposit Growth (YoY) | -6.58% | -1.93% | -2.72% | -0.12% | 0.02% | -2.46% | -3.75% | -4.00% | -388 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.13% | 1.14% | 1.14% | 1.16% | 0.92% | 0.94% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 20.19% | 20.32% | 19.88% | n/a | |
| Total Risk-Based Capital | 52.65% | 51.98% | 52.56% | 53.85% | 53.85% | 55.44% | 56.58% | 54.11% | +26 bps | |
| Equity / Assets | 19.91% | 19.98% | 20.08% | 20.18% | 19.89% | 20.39% | 20.77% | 20.20% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.60% | 57.45% | 57.90% | 56.74% | 56.83% | 56.75% | 57.16% | 55.68% | -106 bps | |
| Liquid Assets / Assets | 50.00% | 50.94% | 50.14% | 50.63% | 51.05% | 51.51% | 51.29% | 51.91% | +128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |