Clearfield, PA · Cert 11116
FDIC · 12 branches
Q3 2017
Market Position · Altoona, PA · 2017 SOD (annual) · 2.1% share · #10 of 13 inst. · $0.1B of $2.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.71% | 0.55% | 0.68% | 0.29% | -52 bps | |
| Return on Equity | 6.70% | 5.92% | 4.65% | 5.82% | 2.57% | -413 bps | |
| Net Interest Margin | 3.32% | 3.40% | 3.29% | 3.29% | 3.35% | +2 bps | |
| Efficiency Ratio | 72.00% | 70.22% | 72.03% | 72.17% | 90.41% | +1,841 bps | |
| Non-Interest Burden | 2.06% | 2.06% | 2.07% | 2.08% | 2.90% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.55% | 5.55% | 6.79% | 7.37% | 7.77% | +22 bps | |
| Loan Growth (YoY) | 14.16% | 11.67% | 9.75% | 8.42% | 7.80% | -635 bps | |
| Deposit Growth (YoY) | 8.99% | 9.66% | 7.96% | 8.67% | 8.79% | -19 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.60% | 0.64% | 0.52% | +52 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.08% | 0.40% | 0.05% | 1.36% | +127 bps | |
| Allowance / Loans | 0.91% | 0.94% | 0.98% | 1.03% | 0.70% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.6x | 1.6x | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.81% | 10.64% | 10.44% | 10.29% | 10.11% | -70 bps | |
| Total Risk-Based Capital | 15.08% | 14.53% | 14.67% | 14.48% | 13.80% | -128 bps | |
| Equity / Assets | 12.23% | 11.90% | 11.75% | 11.56% | 11.34% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.89% | 96.50% | 90.84% | 90.08% | 90.07% | -82 bps | |
| Liquid Assets / Assets | 0.48% | 0.01% | 2.81% | 4.53% | 4.85% | +438 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |