Minersville, PA · Cert 15145
FDIC · 4 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Minersville, PA · Cert 15145
FDIC · 4 branches
Q4 2014
Market Position · Scranton-Wilkes-Barre-Hazleton, PA · 2014 SOD (annual) · 0.1% share · #22 of 23 inst. · $0.0B of $11.4B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.39% | 0.43% | 0.44% | 0.35% | 0.34% | 0.41% | 0.18% | -26 bps | |
| Return on Equity | 3.67% | 3.40% | 3.81% | 3.90% | 3.14% | 3.06% | 3.74% | 1.67% | -223 bps | |
| Net Interest Margin | 4.01% | 4.02% | 3.96% | 3.98% | 3.90% | 3.87% | 3.84% | 3.83% | -16 bps | |
| Efficiency Ratio | 85.75% | 85.92% | 87.08% | 86.04% | 89.16% | 88.86% | 86.09% | 93.14% | +710 bps | |
| Non-Interest Burden | 3.40% | 3.42% | 3.42% | 3.39% | 3.40% | 3.38% | 3.23% | 3.55% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.90% | -3.44% | 0.59% | 4.19% | 2.39% | 6.07% | 2.80% | 0.65% | -354 bps | |
| Loan Growth (YoY) | 16.05% | 9.98% | 5.58% | 2.65% | 0.61% | 4.78% | 3.97% | 3.92% | +127 bps | |
| Deposit Growth (YoY) | -0.51% | -5.18% | 0.31% | 1.08% | 1.35% | 6.36% | 3.18% | 4.00% | +292 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 | 0.00% | 0.29% | 0.24% | 0.19% | 0.07% | 0.07% | 0.05% | 0.07% | -12 bps | |
| Allowance / Loans | 1.12% | 1.03% | 1.06% | 1.09% | 1.10% | 1.08% | 1.15% | 1.15% | +6 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 | 15.52% | 15.62% | 15.42% | 15.42% | 15.17% | 14.28% | 14.43% | 14.14% | -128 bps | |
| Equity / Assets | 11.32% | 11.34% | 11.20% | 11.17% | 11.16% | 10.62% | 10.81% | 10.68% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.16% | 97.49% | 95.64% | 99.39% | 97.44% | 96.04% | 96.36% | 99.32% | -8 bps | |
| Liquid Assets / Assets | 1.12% | 1.14% | 1.19% | 1.30% | 1.04% | 0.81% | 0.69% | 0.73% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |