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Scottdale Bank & Trust Co. the

Scottdale, PA · Cert 10688

FDIC · 5 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Scottdale Bank & Trust Co. the

Scottdale, PA · Cert 10688

FDIC · 5 branches

Q4 2017

$260.7MAssets
$69.9MLoans
$210.7MDeposits
$46.7MEquity
Loan mix
90%RE $56.8M7%C&I $4.7M2%Consumer $1.5MQ4 2016Q4 2017
Deposit mix
78%Interest-bearing $164.7M22%Noninterest $45.9MQ4 2016Q4 2017

NIM

2.52%Q4 ’152.56%Q4 ’162.53%Q4 ’17+4%-1%

Non-interest income vs. expense

2.12%Q4 ’152.07%Q4 ’162.19%Q4 ’17+12%-8%

Market Position · Pittsburgh, PA · 2017 SOD (annual) · 0.2% share · #28 of 48 inst. · $0.2B of $133.5B

1.6% Westmoreland
4.5% Fayette

Executive Summary

  • Earnings: ROA of 2.26%, up 205 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 1.75% of loans (+175 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 19.01%, up 242 bps from a year ago.
  • Funding: loans stand at 33.17% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

2.26%1+205 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-3 bps YoY

Efficiency Ratio (YTD, annualized)

88.04%-562 bps YoY

Tier 1 Leverage Ratio

19.01%+242 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.21%0.51%0.41%0.39%2.26%1+205 bps
Return on Equity1.19%2.96%2.32%2.21%12.90%+1,170 bps
Net Interest Margin2.36%2.21%2.31%2.33%2.34%-3 bps
Efficiency Ratio93.65%82.16%84.98%85.43%88.04%-562 bps
Non-Interest Burden2.22%1.79%1.94%1.97%2.04%-18 bps
Growth
Asset Growth (YoY)0.55%0.50%-0.81%0.57%-1.04%-159 bps
Loan Growth (YoY)7.04%7.09%2.08%2.63%10.24%+320 bps
Deposit Growth (YoY)0.74%0.41%-0.90%0.31%-2.47%-321 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.04%1.23%1.94%1.75%+175 bps
Net Charge-Offs / Loans0.00%0.07%0.03%0.02%0.02%+1 bps
Allowance / Loans0.87%0.84%0.84%0.82%0.77%-10 bps
Allowance Coverage of NPLsn/a0.8x0.7x0.4x0.4xn/a
Capital
Tier 1 Leverage Ratio16.58%16.79%16.92%16.95%19.01%+242 bps
Total Risk-Based Capital31.35%32.25%32.30%30.94%36.05%+470 bps
Equity / Assets17.19%17.36%17.84%17.46%17.90%+72 bps
Liquidity & Funding
Loans / Deposits29.34%29.88%30.50%30.01%33.17%+382 bps
Liquid Assets / Assets39.21%37.97%36.82%33.80%0.00%-3,921 bps
CRE / Total Capitaln/an/an/an/an/an/an/a