Pottsville, PA · Cert 29247
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.09% | -4.58% | -2.83% | -2.63% | -7.70% | -560 bps | |
| Return on Equity | -20.42% | -48.06% | -31.52% | -28.74% | -88.72% | -6,830 bps | |
| Net Interest Margin | 3.81% | 3.45% | 3.35% | 3.53% | 3.67% | -14 bps | |
| Efficiency Ratio | 127.15% | 176.34% | 165.45% | 169.88% | 294% | +16,702 bps | |
| Non-Interest Burden | 5.08% | 6.25% | 5.82% | 6.16% | 11.36% | +628 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.81% | -1.32% | -7.82% | -20.02% | -22.64% | -2,546 bps | |
| Loan Growth (YoY) | -4.99% | -6.77% | -19.12% | -20.09% | -22.42% | -1,742 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.64% | 1.88% | 0.73% | -0.23% | -0.18% | -82 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.43% | 16.14% | 15.18% | 15.35% | 13.21% | -422 bps | |
| Equity / Assets | 10.13% | 8.93% | 9.01% | 9.34% | 7.96% | -217 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.97% | 79.93% | 78.39% | 85.29% | 83.00% | -197 bps | |
| Liquid Assets / Assets | 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 |