PackageTrendsPeer
Letter portraitLegal landscape

Minersville Safe Deposit Bank and Trust Company

Minersville, PA · Cert 15145

FDIC · 4 branches

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Minersville Safe Deposit Bank and Trust Company

Minersville, PA · Cert 15145

FDIC · 4 branches

Q4 2014

$138.3MAssets
$116.7MLoans
$117.5MDeposits
$14.8MEquity
Loan mix
73%RE $70.6M25%C&I $23.9M2%Consumer $1.6MQ4 2013Q4 2014
Deposit mix
78%Interest-bearing $91.7M22%Noninterest $25.8MQ4 2013Q4 2014

NIM

4.57%Q4 ’124.38%Q4 ’134.17%Q4 ’14+1%-4%

Non-interest income vs. expense

3.97%Q4 ’123.88%Q4 ’133.72%Q4 ’14-5%+5%

Market Position · Scranton-Wilkes-Barre-Hazleton, PA · 2014 SOD (annual) · 0.1% share · #22 of 23 inst. · $0.0B of $11.4B

5.7% Schuylkill
0.1% Luzerne

Executive Summary

  • Earnings: ROA of 0.18%, down 26 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 99.32% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.18%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-16 bps YoY

Efficiency Ratio (YTD, annualized)

93.14%+710 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.44%0.35%0.34%0.41%0.18%-26 bps
Return on Equity3.90%3.14%3.06%3.74%1.67%-223 bps
Net Interest Margin3.98%3.90%3.87%3.84%3.83%-16 bps
Efficiency Ratio86.04%89.16%88.86%86.09%93.14%+710 bps
Non-Interest Burden3.39%3.40%3.38%3.23%3.55%+16 bps
Growth
Asset Growth (YoY)4.19%2.39%6.07%2.80%0.65%-354 bps
Loan Growth (YoY)2.65%0.61%4.78%3.97%3.92%+127 bps
Deposit Growth (YoY)1.08%1.35%6.36%3.18%4.00%+292 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.07%0.07%0.05%0.07%-12 bps
Allowance / Loans1.09%1.10%1.08%1.15%1.15%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.42%15.17%14.28%14.43%14.14%-128 bps
Equity / Assets11.17%11.16%10.62%10.81%10.68%-49 bps
Liquidity & Funding
Loans / Deposits99.39%97.44%96.04%96.36%99.32%-8 bps
Liquid Assets / Assets1.30%1.04%0.81%0.69%0.73%-57 bps
CRE / Total Capitaln/an/an/an/an/an/an/a