McMurray, PA · Cert 57615
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.36% | 0.63% | 0.69% | 0.58% | -0.56% | 0.24% | -0.11% | -80 bps | |
| Return on Equity | 3.34% | 3.02% | 5.03% | 5.45% | 4.61% | -4.60% | 1.78% | -0.73% | -618 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.33% | 3.45% | 3.33% | 3.22% | -4.17% | 3.10% | -35 bps | |
| Efficiency Ratio | 85.45% | 87.68% | 80.39% | 80.88% | 82.86% | 117.63% | 82.87% | 101.70% | +2,081 bps | |
| Non-Interest Burden | 2.82% | 2.88% | 2.67% | 2.78% | 2.75% | 3.79% | -4.49% | 3.24% | +47 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 |