Scottdale, PA · Charter 11546
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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 · Charter 11546
Q4 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.61% | 0.16% | -0.17% | -5.75% | -4.13% | -3.53% | -3.60% | -343 bps | |
| Return on Equity | -0.35% | 2.82% | 0.72% | -0.73% | -28.27% | -19.32% | -16.23% | -15.54% | -1,481 bps | |
| Net Interest Margin | 3.21% | 3.20% | 3.13% | 3.32% | 2.62% | 2.97% | 3.13% | 3.45% | +13 bps | |
| Efficiency Ratio | 134.17% | 146.23% | 153.27% | 151.46% | 181.68% | 173.67% | 169.76% | 172.11% | +2,065 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.91% | -10.20% | -11.62% | -12.98% | -9.01% | -9.11% | -9.43% | -14.39% | -141 bps | |
| Loan Growth (YoY) | 10.47% | 28.91% | -13.36% | -7.41% | -0.52% | 21.98% | 14.38% | 13.94% | +2,135 bps | |
| Share Growth (YoY) | -1.65% | -12.50% | -14.33% | -16.08% | -9.47% | -8.86% | -9.00% | -14.69% | +138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 4.14% | 6.75% | 2.86% | 5.15% | 3.89% | 3.68% | 2.22% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.76% | 3.18% | 2.86% | 2.72% | 3.01% | 2.60% | 2.50% | 2.38% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.93% | 21.75% | 22.41% | 22.92% | 20.33% | 21.36% | 21.78% | 23.17% | +25 bps | |
| Net Worth / Assets | 19.93% | 21.75% | 22.41% | 22.92% | 20.33% | 21.36% | 21.78% | 23.17% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.52% | 33.73% | 39.23% | 43.11% | 35.73% | 45.14% | 49.31% | 57.58% | +1,447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |