Saltsburg, PA · Charter 18444
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 | 3.04% | 2.74% | -1.05% | -0.92% | 3.82% | -26.84% | -12.68% | -7.21% | -630 bps | |
| Return on Equity | 13.70% | 12.13% | -5.05% | -4.44% | 17.94% | -260% | -89.46% | -44.80% | -4,037 bps | |
| Net Interest Margin | 5.17% | 4.69% | 5.62% | 4.21% | 6.15% | 7.76% | 7.99% | 6.12% | +191 bps | |
| Efficiency Ratio | 45.61% | 44.89% | 36.87% | 43.32% | 38.17% | 36.63% | 34.37% | 42.18% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.59% | 1.23% | -0.30% | -0.33% | 0.19% | -15.09% | -13.57% | -12.02% | -1,170 bps | |
| Loan Growth (YoY) | 2.11% | 4.73% | 21.39% | 4.30% | 1.25% | -26.18% | -36.81% | -38.89% | -4,319 bps | |
| Share Growth (YoY) | -16.71% | 0.23% | 1.86% | 1.02% | 1.74% | -1.31% | -6.12% | -5.31% | -633 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 27.25% | 24.83% | 43.48% | 57.75% | 48.08% | 11.84% | 6.18% | 11.85% | -4,590 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 | 5.91% | 5.70% | 11.69% | 12.37% | 12.77% | 23.00% | 25.16% | 23.41% | +1,104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.20% | 22.58% | 20.76% | 20.67% | 21.28% | 10.31% | 14.17% | 16.10% | -458 bps | |
| Net Worth / Assets | 22.20% | 22.58% | 20.76% | 20.67% | 21.28% | 10.31% | 14.17% | 16.10% | -458 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.48% | 67.43% | 71.44% | 67.86% | 65.16% | 50.43% | 48.09% | 43.79% | -2,406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |