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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.17% | 1.18% | 1.14% | 1.27% | 1.36% | 1.39% | 0.12% | -102 bps | |
| Return on Equity | 14.21% | 14.04% | 14.08% | 13.51% | 14.92% | 15.83% | 16.26% | 0.75% | -1,276 bps | |
| Net Interest Margin | 3.34% | 3.25% | 3.25% | 3.35% | 3.39% | 3.33% | 3.39% | 1.06% | -229 bps | |
| Efficiency Ratio | 50.14% | 49.94% | 49.04% | 47.46% | 46.32% | 44.96% | 44.47% | 82.49% | +3,503 bps | |
| Non-Interest Burden | 1.31% | 1.29% | 1.29% | 1.38% | 1.33% | 1.23% | 1.21% | 0.79% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.70% | 10.28% | 13.38% | 19.49% | 14.98% | 18.10% | 10.80% | 26.01% | +652 bps | |
| Loan Growth (YoY) | 13.43% | 19.76% | 24.48% | 20.21% | 22.23% | 18.88% | 15.18% | 15.01% | -520 bps | |
| Deposit Growth (YoY) | 9.84% | 9.58% | 14.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.11% | 0.09% | 0.10% | 0.10% | 0.08% | 0.05% | 0.00% | -10 bps | |
| Allowance / Loans | 1.34% | 1.32% | 1.33% | 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 | 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 | 11.74% | n/a | n/a |
| Total Risk-Based Capital | 12.00% | 11.76% | 11.64% | 11.71% | 11.40% | 11.88% | 11.08% | 12.01% | +30 bps | |
| Equity / Assets | 8.39% | 8.51% | 8.41% | 8.49% | 8.62% | 8.88% | 8.41% | 22.20% | +1,371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.46% | 99.11% | 97.85% | 97.50% | 100.44% | 100.25% | 105.44% | 106.42% | +893 bps | |
| Liquid Assets / Assets | 5.10% | 2.79% | 4.65% | 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 | n/a | n/a | n/a |