Cresson, PA · Cert 28134
FDIC · 1 branch
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Cresson, PA · Cert 28134
FDIC · 1 branch
Q4 2015
Market Position · Johnstown, PA · 2015 SOD (annual) · 1.8% share · #10 of 15 inst. · $0.1B of $2.8B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.42% | 0.34% | 0.36% | 0.53%1 | 0.40%1 | 0.35% | 0.41% | +5 bps | |
| Return on Equity | 3.94% | 3.61% | 2.93% | 3.09% | 4.38% | 3.28% | 2.84% | 3.34% | +25 bps | |
| Net Interest Margin | 2.16% | 2.21% | 2.13% | 2.15% | 2.10% | 2.19% | 2.20% | 2.18% | +3 bps | |
| Efficiency Ratio | 77.05% | 77.81% | 80.75% | 82.67% | 97.63% | 91.04% | 89.90% | 89.34% | +666 bps | |
| Non-Interest Burden | 1.63% | 1.68% | 1.69% | 1.75% | 2.04% | 1.99% | 1.96% | 1.93% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.33% | 0.09% | -1.14% | -0.07% | -1.21% | 0.80% | -3.48% | -1.09% | -102 bps | |
| Loan Growth (YoY) | -8.37% | -5.03% | -4.25% | -3.85% | -5.93% | -7.86% | -9.25% | -10.22% | -638 bps | |
| Deposit Growth (YoY) | 0.94% | -0.57% | -0.64% | 0.77% | -0.72% | 1.78% | -3.85% | -1.16% | -193 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% | 0.11% | 0.31% | 0.23% | 0.31% | 0.42% | 0.28% | 0.21% | -2 bps | |
| Allowance / Loans | 0.66% | 0.64% | 0.52% | 0.55% | 0.57% | 0.49% | 0.52% | 0.53% | -3 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 | 12.00% | 12.08% | 12.36% | 12.61% | n/a | |
| Total Risk-Based Capital | 30.87% | 31.64% | 31.21% | 31.92% | 32.76% | 38.53% | 38.14% | 37.28% | +536 bps | |
| Equity / Assets | 11.51% | 11.92% | 11.65% | 12.01% | 12.03% | 12.17% | 12.44% | 12.53% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.61% | 42.64% | 40.40% | 41.10% | 39.42% | 38.60% | 38.13% | 37.33% | -377 bps | |
| Liquid Assets / Assets | 59.80% | 59.05% | 60.33% | 60.08% | 61.56% | 62.58% | 62.37% | 63.11% | +303 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |