Scottdale, PA · Cert 10688
FDIC · 5 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Scottdale, PA · Cert 10688
FDIC · 5 branches
Q4 2017
Market Position · Pittsburgh, PA · 2017 SOD (annual) · 0.2% share · #28 of 48 inst. · $0.2B of $133.5B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.48% | 0.01%1 | 0.21% | 0.51% | 0.41% | 0.39% | 2.26%1 | +205 bps | |
| Return on Equity | 2.82% | 2.72% | 0.07% | 1.19% | 2.96% | 2.32% | 2.21% | 12.90% | +1,170 bps | |
| Net Interest Margin | 2.37% | 2.37% | 2.37% | 2.36% | 2.21% | 2.31% | 2.33% | 2.34% | -3 bps | |
| Efficiency Ratio | 80.94% | 82.60% | 97.92% | 93.65% | 82.16% | 84.98% | 85.43% | 88.04% | -562 bps | |
| Non-Interest Burden | 1.89% | 1.93% | 2.33% | 2.22% | 1.79% | 1.94% | 1.97% | 2.04% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | -0.49% | 1.09% | 0.55% | 0.50% | -0.81% | 0.57% | -1.04% | -159 bps | |
| Loan Growth (YoY) | 1.16% | 5.98% | 9.70% | 7.04% | 7.09% | 2.08% | 2.63% | 10.24% | +320 bps | |
| Deposit Growth (YoY) | -0.08% | -0.88% | 1.44% | 0.74% | 0.41% | -0.90% | 0.31% | -2.47% | -321 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.04% | 1.23% | 1.94% | 1.75% | +175 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.03% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.26% | 1.20% | 1.18% | 0.87% | 0.84% | 0.84% | 0.82% | 0.77% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.8x | 0.7x | 0.4x | 0.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.04% | 17.17% | 16.90% | 16.58% | 16.79% | 16.92% | 16.95% | 19.01% | +242 bps | |
| Total Risk-Based Capital | 34.32% | 33.34% | 32.77% | 31.35% | 32.25% | 32.30% | 30.94% | 36.05% | +470 bps | |
| Equity / Assets | 17.53% | 17.90% | 17.41% | 17.19% | 17.36% | 17.84% | 17.46% | 17.90% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.01% | 29.61% | 29.33% | 29.34% | 29.88% | 30.50% | 30.01% | 33.17% | +382 bps | |
| Liquid Assets / Assets | 46.60% | 39.87% | 39.69% | 39.21% | 37.97% | 36.82% | 33.80% | 0.00% | -3,921 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |