Clarks Summit, PA · Cert 14530
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Clarks Summit, PA · Cert 14530
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.93% | -0.13% | -0.79% | 0.66% | 0.69% | 0.66% | 0.41% | +120 bps | |
| Return on Equity | 12.29% | 10.63% | -1.47% | -9.55% | 9.45% | 9.63% | 9.07% | 5.62% | +1,517 bps | |
| Net Interest Margin | 3.45% | 3.53% | 3.46% | 3.22% | 2.93% | 2.91% | 2.95% | 2.93% | -29 bps | |
| Efficiency Ratio | 65.46% | 69.11% | 70.23% | 73.97% | 75.76% | 76.92% | 79.26% | 90.40% | +1,643 bps | |
| Non-Interest Burden | 1.93% | 2.16% | 2.17% | 2.20% | 2.07% | 2.10% | 2.20% | 2.59% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.26% | 8.69% | 1.15% | 7.85% | 5.70% | 4.85% | 5.98% | -4.29% | -1,213 bps | |
| Loan Growth (YoY) | 1.94% | 3.99% | 2.40% | -1.71% | -8.30% | -9.07% | -11.67% | -7.03% | -533 bps | |
| Deposit Growth (YoY) | 6.72% | 7.21% | 1.38% | 8.94% | 12.58% | 7.04% | 5.55% | -4.92% | -1,386 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.13% | 0.91% | 1.09% | 3.06% | 1.65% | 1.61% | 1.53% | +44 bps | |
| Allowance / Loans | 1.09% | 1.18% | 2.28% | 3.65% | 3.19% | 3.21% | 3.05% | 2.82% | -83 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.95% | 11.05% | 10.48% | 11.61% | 11.94% | 12.28% | 12.88% | 12.84% | +122 bps | |
| Equity / Assets | 8.76% | 8.86% | 8.16% | 6.87% | 7.02% | 7.48% | 7.59% | 7.65% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.79% | 94.95% | 91.34% | 81.06% | 79.65% | 80.67% | 76.43% | 79.26% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 7.33% | 3.11% | +311 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |