Camp Hill, PA · Cert 57557
FDIC · 8 branches
Q1 2015
Market Position · Harrisburg-Carlisle, PA · 2014 SOD (annual) · 4.2% share · #9 of 25 inst. · $0.5B of $12.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.40% | 1.55% | 1.45% | 0.12% | -102 bps | |
| Return on Equity | 13.51% | 16.32% | 17.66% | 16.79% | 0.75% | -1,276 bps | |
| Net Interest Margin | 3.35% | 3.58% | 3.54% | 3.55% | 1.06% | -229 bps | |
| Efficiency Ratio | 47.46% | 45.33% | 42.55% | 43.13% | 82.49% | +3,503 bps | |
| Non-Interest Burden | 1.38% | 1.34% | 1.15% | 1.18% | 0.79% | -59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.49% | 14.98% | 18.10% | 10.80% | 26.01% | +652 bps | |
| Loan Growth (YoY) | 20.21% | 22.23% | 18.88% | 15.18% | 15.01% | -520 bps | |
| Deposit Growth (YoY) | 21.42% | 14.94% | 17.53% | 6.89% | 5.37% | -1,605 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.10% | 0.05% | -0.03% | 0.00% | -10 bps | |
| Allowance / Loans | 1.33% | 1.27% | 1.24% | 1.25% | 0.00% | -133 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 | 11.74% | n/a | n/a |
| Total Risk-Based Capital | 11.71% | 11.40% | 11.88% | 11.08% | 12.01% | +30 bps | |
| Equity / Assets | 8.49% | 8.62% | 8.88% | 8.41% | 22.20% | +1,371 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.50% | 100.44% | 100.25% | 105.44% | 106.42% | +893 bps | |
| Liquid Assets / Assets | 4.40% | 1.42% | 4.53% | 1.68% | 0.22% | -417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |