Scranton, PA · Cert 463
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.20% | 1.11% | 1.12% | 1.14% | 1.07% | 1.24% | 1.09% | -4 bps | |
| Return on Equity | 7.85% | 8.80% | 8.06% | 8.00% | 8.03% | 7.62% | 8.81% | 7.67% | -32 bps | |
| Net Interest Margin | 3.43% | 3.55% | 3.51% | 3.49% | 3.43% | 3.43% | 3.34% | 3.38% | -11 bps | |
| Efficiency Ratio | 64.76% | 65.23% | 68.27% | 65.42% | 66.99% | 66.65% | 62.85% | 68.05% | +263 bps | |
| Non-Interest Burden | 1.87% | 1.92% | 2.07% | 1.84% | 1.96% | 1.92% | 1.64% | 1.91% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | 1.29% | -2.03% | -4.39% | -0.74% | 0.39% | 0.56% | 1.01% | +540 bps | |
| Loan Growth (YoY) | 2.67% | 4.31% | 3.26% | 0.19% | -1.27% | -0.16% | 0.53% | 2.64% | +245 bps | |
| Deposit Growth (YoY) | 4.27% | 3.49% | -0.62% | -3.63% | 0.20% | 2.27% | 2.91% | 3.28% | +691 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 | 0.42% | 0.06% | -0.01% | 0.28% | 0.10% | 0.09% | 0.04% | 0.13% | -15 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.09% | 1.09% | 1.11% | 1.12% | 1.18% | 1.20% | +11 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 | 16.46% | 16.52% | 16.46% | 16.80% | 17.35% | 17.39% | 17.17% | 17.03% | +23 bps | |
| Equity / Assets | 13.61% | 13.74% | 13.91% | 14.19% | 14.07% | 13.97% | 14.09% | 14.24% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.65% | 87.92% | 89.69% | 90.63% | 86.37% | 85.82% | 87.61% | 90.06% | -56 bps | |
| Liquid Assets / Assets | 4.59% | 3.65% | 2.83% | 2.37% | 4.96% | 5.96% | 4.29% | 3.18% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |