Easton, PA · Cert 11106
FDIC · 18 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Easton, PA · Cert 11106
FDIC · 18 branches
Q2 2019
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2019 SOD (annual) · 7.6% share · #4 of 32 inst. · $1.3B of $17.4B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.71% | 0.98% | 1.08% | 1.12% | 1.02% | 0.76% | 0.66% | -42 bps | |
| Return on Equity | 6.87% | 6.23% | 8.83% | 9.65% | 10.11% | 9.18% | 6.87% | 5.84% | -381 bps | |
| Net Interest Margin | 3.05% | 2.97% | 3.12% | 3.13% | 3.04% | 3.09% | 3.13% | 3.11% | -2 bps | |
| Efficiency Ratio | 64.23% | 65.39% | 70.08% | 68.32% | 67.29% | 68.18% | 65.88% | 67.09% | -123 bps | |
| Non-Interest Burden | 1.61% | 1.62% | 1.92% | 1.85% | 1.74% | 1.81% | 1.81% | 1.79% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.38% | 3.38% | 1.79% | 0.13% | -2.31% | 0.13% | 5.96% | 3.44% | +331 bps | |
| Loan Growth (YoY) | -2.94% | -4.27% | -6.89% | -10.55% | -7.33% | -5.90% | -5.35% | -2.92% | +763 bps | |
| Deposit Growth (YoY) | 9.45% | 5.87% | 4.27% | 0.57% | -2.87% | -0.11% | 5.61% | 2.61% | +204 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 1.16% | 1.03% | 1.03% | 0.93% | 0.96% | 0.96% | 1.81% | +77 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.31% | 0.11% | 0.05% | 0.04% | 0.08% | 0.19% | 0.09% | +5 bps | |
| Allowance / Loans | 0.85% | 0.94% | 0.93% | 0.91% | 0.93% | 0.99% | 1.11% | 1.35% | +44 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 0.9x | 0.9x | 1.0x | 1.0x | 1.2x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 10.11% | 10.77% | 10.98% | 10.76% | 10.87% | 10.65% | 10.86% | -12 bps | |
| Total Risk-Based Capital | 14.56% | 14.62% | 14.91% | 15.68% | 15.70% | 16.04% | 15.66% | 15.85% | +17 bps | |
| Equity / Assets | 10.82% | 11.00% | 11.15% | 11.40% | 10.90% | 11.28% | 10.93% | 11.66% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.21% | 84.82% | 85.04% | 83.41% | 78.44% | 79.90% | 76.22% | 78.92% | -449 bps | |
| Liquid Assets / Assets | 0.09% | 0.05% | 0.02% | 0.02% | 3.28% | 3.50% | 3.25% | 3.56% | +353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |