Monessen, PA · Cert 29943
FDIC · 7 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Monessen, PA · Cert 29943
FDIC · 7 branches
Q3 2014
Market Position · Pittsburgh, PA · 2014 SOD (annual) · 0.2% share · #29 of 57 inst. · $0.2B 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 1.05% | 0.92% | 0.81% | 0.75% | 0.73% | 0.23% | 0.45% | -36 bps | |
| Return on Equity | n/a | 7.24% | 6.26% | 5.53% | 5.14% | 5.09% | 1.63% | 3.13% | -240 bps | |
| Net Interest Margin | 3.21% | 3.18% | 3.21% | 3.20% | 3.22% | 3.28% | 3.28% | 3.30% | +10 bps | |
| Efficiency Ratio | 69.44% | 66.57% | 67.45% | 68.70% | 69.01% | 71.31% | 87.49% | 82.26% | +1,356 bps | |
| Non-Interest Burden | 1.93% | 1.61% | 1.70% | 1.77% | 1.80% | 1.98% | 2.71% | 2.50% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.96% | -8.63% | -7.22% | 0.26% | 0.05% | 3.06% | 5.24% | 0.83% | +58 bps | |
| Loan Growth (YoY) | 2.91% | 2.50% | 5.04% | 8.28% | 7.81% | 8.79% | 11.35% | 8.29% | +1 bps | |
| Deposit Growth (YoY) | -5.11% | -6.96% | -4.34% | -0.12% | 1.45% | 5.03% | 2.39% | -7.29% | -717 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 | 0.21% | 0.04% | 0.05% | 0.03% | 0.12% | -0.01% | -0.01% | 0.03% | 0 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.16% | 1.21% | 1.22% | 1.22% | 1.26% | 1.24% | +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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 23.81% | 24.10% | 24.04% | 23.40% | 21.84% | 21.81% | 20.90% | 21.73% | -167 bps | |
| Equity / Assets | 14.23% | 14.79% | 14.92% | 14.86% | 14.38% | 14.42% | 14.07% | 14.47% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.45% | 113.20% | 113.11% | 116.06% | 121.63% | 117.25% | 123.01% | 135.57% | +1,951 bps | |
| Liquid Assets / Assets | 1.20% | 0.94% | 2.19% | 3.76% | 1.10% | 1.23% | 0.78% | 6.72% | +296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |