Scranton, PA · Cert 31188
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Scranton, PA · Cert 31188
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.42% | 0.56% | 0.54% | 0.77% | 0.71% | 0.57% | 0.56% | +2 bps | |
| Return on Equity | 3.56% | 3.85% | 5.16% | 4.92% | 7.03% | 6.47% | 5.26% | 5.12% | +20 bps | |
| Net Interest Margin | 3.05% | 2.94% | 3.06% | 3.29% | 3.38% | 3.41% | 3.24% | 3.31% | +2 bps | |
| Efficiency Ratio | 81.98% | 79.46% | 73.56% | 71.54% | 66.26% | 66.90% | 72.56% | 73.32% | +178 bps | |
| Non-Interest Burden | 2.45% | 2.28% | 2.09% | 2.28% | 2.12% | 2.17% | 2.27% | 2.38% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.04% | 12.16% | 12.63% | 10.02% | 7.76% | 8.63% | 4.98% | 6.87% | -315 bps | |
| Loan Growth (YoY) | 8.92% | 10.50% | 7.47% | 13.40% | 11.94% | 9.53% | 4.98% | 1.63% | -1,177 bps | |
| Deposit Growth (YoY) | 9.39% | 13.75% | 22.89% | 11.02% | 8.02% | 13.34% | 9.28% | 11.71% | +69 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 | 0.10% | 0.07% | 0.14% | 0.00% | 0.20% | 0.17% | 0.28% | 0.01% | +1 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.28% | 1.27% | 1.29% | 1.37% | 1.26% | 1.29% | +2 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 | 15.30% | 15.17% | 14.84% | 14.61% | 14.14% | 14.77% | 14.75% | 14.89% | +28 bps | |
| Equity / Assets | 10.62% | 10.94% | 10.75% | 11.05% | 10.86% | 10.97% | 10.87% | 10.99% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.10% | 91.86% | 92.90% | 97.44% | 93.36% | 88.77% | 89.25% | 88.64% | -880 bps | |
| Liquid Assets / Assets | 0.07% | 0.38% | 0.36% | 0.21% | 0.18% | 0.03% | 0.21% | 0.14% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |