McMurray, PA · Cert 57615
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
McMurray, PA · Cert 57615
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.38% | 0.46% | 0.52% | 0.58% | 0.00% | 0.08% | 0.03% | -48 bps | |
| Return on Equity | 3.34% | 3.18% | 3.80% | 4.22% | 4.61% | 0.00% | 0.64% | 0.24% | -398 bps | |
| Net Interest Margin | 3.31% | 3.32% | 3.31% | 3.40% | 3.33% | 3.23% | 0.61% | 1.23% | -217 bps | |
| Efficiency Ratio | 85.45% | 86.56% | 84.50% | 83.58% | 82.86% | 100.10% | 80.26% | 93.85% | +1,026 bps | |
| Non-Interest Burden | 2.82% | 2.87% | 2.79% | 2.83% | 2.75% | 3.23% | 0.51% | 1.19% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | -5.87% | -6.66% | -1.80% | 2.25% | 3.61% | 18.80% | 6.10% | +790 bps | |
| Loan Growth (YoY) | -1.20% | -2.84% | -3.05% | 1.80% | 4.59% | 4.05% | -0.08% | -5.61% | -741 bps | |
| Deposit Growth (YoY) | -0.61% | -5.36% | -7.04% | -7.25% | -3.94% | -3.14% | 8.43% | 6.84% | +1,409 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.46% | 1.48% | 1.46% | 1.43% | 1.43% | 1.44% | 0.00% | 0.00% | -143 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 | 15.38% | 15.62% | 15.53% | 15.40% | 15.45% | 15.79% | 15.24% | 16.11% | +71 bps | |
| Equity / Assets | 11.89% | 12.09% | 12.84% | 12.62% | 12.39% | 12.13% | 14.61% | 15.80% | +319 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.71% | 92.31% | 100.08% | 104.75% | 100.94% | 99.16% | 92.22% | 92.54% | -1,221 bps | |
| Liquid Assets / Assets | 6.59% | 8.09% | 1.85% | 4.50% | 8.04% | 9.25% | 14.02% | 9.49% | +499 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |