Pottsville, PA · Cert 29247
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Pottsville, PA · Cert 29247
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -3.56% | -2.35% | -2.29% | -4.58% | -3.75% | -3.42% | -4.35% | -206 bps | |
| Return on Equity | -11.39% | -33.88% | -22.44% | -22.04% | -48.06% | -40.03% | -36.50% | -47.74% | -2,570 bps | |
| Net Interest Margin | 4.29% | 3.94% | 4.03% | 3.94% | 3.45% | 3.47% | 3.73% | 3.97% | +3 bps | |
| Efficiency Ratio | 123.08% | 113.42% | 106.78% | 111.64% | 176.34% | 170.94% | 170.61% | 199.04% | +8,740 bps | |
| Non-Interest Burden | 5.32% | 4.55% | 4.37% | 4.51% | 6.25% | 6.17% | 6.59% | 8.23% | +372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.68% | -6.12% | -3.64% | 2.81% | -1.32% | -7.82% | -20.02% | -22.64% | -2,546 bps | |
| Loan Growth (YoY) | 12.01% | 16.41% | 1.40% | -4.99% | -6.77% | -19.12% | -20.09% | -22.42% | -1,742 bps | |
| Deposit Growth (YoY) | -1.60% | 8.79% | 9.66% | 10.58% | 6.65% | -7.56% | -19.03% | -20.57% | -3,116 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 | 2.57% | 1.65% | 1.08% | 1.01% | 1.88% | 1.42% | 0.89% | 0.68% | -33 bps | |
| Allowance / Loans | 0.95% | 0.79% | 0.90% | 1.05% | 1.24% | 1.34% | 1.43% | 1.58% | +53 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 | 19.05% | 19.05% | 18.24% | 17.43% | 16.14% | 15.18% | 15.35% | 13.21% | -422 bps | |
| Equity / Assets | 10.78% | 9.20% | 10.36% | 10.13% | 8.93% | 9.01% | 9.34% | 7.96% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.44% | 89.59% | 86.42% | 84.97% | 79.93% | 78.39% | 85.29% | 83.00% | -197 bps | |
| Liquid Assets / Assets | 3.15% | 1.62% | 0.39% | 0.21% | 0.21% | 0.23% | 0.26% | 0.27% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |