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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.35% | 0.52%1 | 0.46% | 0.35% | 0.32% | 0.55% | -0.50% | -96 bps | |
| Return on Equity | 3.67% | 3.13% | 4.62% | 4.16% | 3.14% | 2.97% | 5.13% | -4.63% | -878 bps | |
| Net Interest Margin | 4.01% | 4.05% | 3.98% | 4.05% | 3.90% | 3.85% | 3.91% | 3.71% | -34 bps | |
| Efficiency Ratio | 85.75% | 86.08% | 89.38% | 83.00% | 89.16% | 88.56% | 80.57% | 127.81% | +4,482 bps | |
| Non-Interest Burden | 3.40% | 3.46% | 3.54% | 3.31% | 3.40% | 3.36% | 3.05% | 4.46% | +115 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% | 0.58% | 0.14% | 0.06% | 0.07% | 0.07% | 0.01% | 0.14% | +8 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 |