Bangor, PA · Cert 7391
FDIC · 9 branches
Q1 2020
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2019 SOD (annual) · 2.0% share · #12 of 32 inst. · $0.4B of $17.4B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.93% | 0.92% | 0.85% | 0.97% | 0.96% | 0.89% | 0.95% | +10 bps | |
| Return on Equity | 11.20% | 12.01% | 11.73% | 10.10% | 11.18% | 10.77% | 9.85% | 9.48% | -62 bps | |
| Net Interest Margin | 3.19% | 3.21% | 3.27% | 3.35% | 3.31% | 3.32% | 3.31% | 3.28% | -7 bps | |
| Efficiency Ratio | 68.04% | 66.05% | 66.36% | 71.55% | 69.00% | 69.08% | 71.31% | 69.40% | -215 bps | |
| Non-Interest Burden | 2.04% | 1.98% | 2.03% | 2.29% | 2.14% | 2.16% | 2.24% | 2.16% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 2.62% | 0.65% | 3.26% | 2.99% | 3.26% | 1.25% | 1.18% | -208 bps | |
| Loan Growth (YoY) | 5.28% | 3.75% | 4.03% | 0.13% | 2.24% | 2.17% | 1.00% | 5.15% | +501 bps | |
| Deposit Growth (YoY) | 0.78% | 3.86% | 2.29% | 7.54% | 5.20% | 4.93% | -0.47% | 0.71% | -683 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 0.79% | 0.66% | 0.65% | 0.63% | 0.63% | 0.64% | 0.77% | +11 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | 0.08% | 0.00% | 0.00% | 0.01% | 0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.01% | 1.07% | 1.09% | 1.12% | 1.11% | 1.14% | 1.15% | 1.11% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.4x | 1.7x | 1.7x | 1.8x | 1.8x | 1.8x | 1.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 8.83% | 9.03% | 9.23% | 9.21% | 9.35% | 9.41% | 9.66% | +43 bps | |
| Total Risk-Based Capital | 14.80% | 15.25% | 15.41% | 15.69% | 15.66% | 16.06% | 16.13% | 15.92% | +24 bps | |
| Equity / Assets | 7.77% | 7.67% | 8.27% | 8.50% | 9.21% | 9.51% | 9.74% | 10.28% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.83% | 69.12% | 70.10% | 66.62% | 68.84% | 67.30% | 71.13% | 69.56% | +293 bps | |
| Liquid Assets / Assets | 6.43% | 5.59% | 4.41% | 2.48% | 0.10% | 1.73% | 0.17% | 0.27% | -222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |