Ellwood City, PA · Cert 27708
FDIC · 23 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.
Ellwood City, PA · Cert 27708
FDIC · 23 branches
Q4 2014
Market Position · Pittsburgh, PA · 2014 SOD (annual) · 1.0% share · #13 of 57 inst. · $0.9B of $98.3B
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 | 0.88% | 0.90% | 0.91% | 0.91% | 0.98% | 1.03% | 1.04% | 1.03% | +12 bps | |
| Return on Equity | 7.36% | 7.61% | 7.73% | 7.76% | 8.55% | 8.81% | 8.81% | 8.74% | +98 bps | |
| Net Interest Margin | 2.37% | 2.41% | 2.43% | 2.45% | 2.59% | 2.55% | 2.61% | 2.70% | +25 bps | |
| Efficiency Ratio | 55.99% | 55.68% | 55.55% | 55.73% | 52.33% | 52.04% | 51.99% | 56.26% | +53 bps | |
| Non-Interest Burden | 1.20% | 1.21% | 1.22% | 1.24% | 1.26% | 1.20% | 1.22% | 1.40% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | -5.15% | -3.43% | -1.37% | 1.22% | 2.21% | 2.32% | 0.99% | +236 bps | |
| Loan Growth (YoY) | 3.20% | 2.66% | 1.76% | 3.48% | 2.65% | 3.93% | 3.30% | 1.28% | -221 bps | |
| Deposit Growth (YoY) | 1.49% | -0.61% | 3.23% | 3.79% | 5.01% | 7.29% | 8.45% | 3.62% | -17 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 | 0.08% | 0.06% | 0.06% | 0.06% | 0.00% | 0.01% | 0.04% | 0.04% | -2 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.97% | 0.97% | 0.95% | 0.95% | 0.95% | 0.82% | -15 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 | 15.07% | 15.51% | 16.00% | 15.94% | 15.96% | 16.76% | 17.29% | 16.71% | +78 bps | |
| Equity / Assets | 11.94% | 11.53% | 11.69% | 11.41% | 11.48% | 12.02% | 12.15% | 11.91% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.76% | 56.64% | 55.89% | 57.24% | 55.49% | 54.87% | 53.24% | 55.95% | -129 bps | |
| Liquid Assets / Assets | 0.41% | 0.46% | 0.44% | 0.17% | 0.91% | 0.27% | 0.57% | 0.13% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |