Lancaster, PA · Cert 35257
FDIC · 15 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Lancaster, PA · Cert 35257
FDIC · 15 branches
Q4 2018
Market Position · Lancaster, PA · 2018 SOD (annual) · 4.2% share · #6 of 22 inst. · $0.5B of $11.1B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 1.03% | 1.15% | 1.15% | 1.07% | +55 bps | |
| Return on Equity | 3.44% | 7.00% | 7.76% | 7.60% | 7.01% | +357 bps | |
| Net Interest Margin | 3.42% | 3.61% | 3.79% | 3.85% | 3.76% | +35 bps | |
| Efficiency Ratio | 73.79% | 69.55% | 67.33% | 67.56% | 69.40% | -439 bps | |
| Non-Interest Burden | 2.38% | 2.34% | 2.36% | 2.41% | 2.43% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.88% | 6.51% | 2.69% | -3.18% | -2.44% | -832 bps | |
| Loan Growth (YoY) | 22.30% | 16.38% | 5.98% | -1.01% | -3.71% | -2,601 bps | |
| Deposit Growth (YoY) | 6.03% | 7.49% | 3.04% | -1.12% | -3.49% | -952 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.42% | 0.42% | 0.41% | 0.42% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.02% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.15% | 1.14% | 1.17% | 1.19% | 1.20% | +5 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.8x | 2.9x | 2.9x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.80% | 14.77% | 15.27% | 15.98% | 16.15% | +135 bps | |
| Total Risk-Based Capital | 19.17% | 19.27% | 20.25% | 21.25% | 21.59% | +242 bps | |
| Equity / Assets | 14.76% | 14.57% | 15.29% | 15.99% | 16.01% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.43% | 88.60% | 90.65% | 92.19% | 90.22% | -21 bps | |
| Liquid Assets / Assets | 0.24% | 0.39% | 0.36% | 0.28% | 2.50% | +226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |