Danville, PA · Cert 7459
FDIC · 6 branches
Q3 2018
Market Position · Bloomsburg-Berwick, PA · 2018 SOD (annual) · 15.2% share · #3 of 8 inst. · $0.2B of $1.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.62% | 1.11% | 1.13% | 0.81% | 0.30% | 1.34% | 0.74% | -39 bps | |
| Return on Equity | 6.20% | 5.39% | 9.41% | 9.55% | 6.85% | 2.53% | 11.42% | 6.29% | -325 bps | |
| Net Interest Margin | 2.93% | 3.06% | 3.16% | 3.23% | 3.05% | 3.12% | 3.21% | 3.04% | -19 bps | |
| Efficiency Ratio | 74.20% | 76.73% | 79.82% | 72.88% | 75.17% | 79.89% | 71.61% | 76.58% | +371 bps | |
| Non-Interest Burden | 1.77% | 2.06% | 2.27% | 1.99% | 1.98% | 2.25% | 1.95% | 2.05% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.91% | -4.46% | -0.76% | 4.13% | 1.30% | 0.90% | 2.59% | -1.71% | -584 bps | |
| Loan Growth (YoY) | -1.00% | -4.82% | 0.98% | -0.86% | -4.49% | -5.27% | -10.74% | -9.42% | -855 bps | |
| Deposit Growth (YoY) | 7.05% | 6.90% | 5.89% | 6.74% | 1.60% | 0.81% | 2.96% | -1.45% | -820 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.88% | 1.72% | 1.07% | 0.79% | 0.79% | 0.72% | 0.56% | -52 bps | |
| Net Charge-Offs / Loans | -0.47% | 0.05% | -0.02% | 0.05% | 0.09% | 0.04% | -0.01% | 0.22% | +18 bps | |
| Allowance / Loans | 1.13% | 1.20% | 0.97% | 0.88% | 0.91% | 1.12% | 1.04% | 1.10% | +22 bps | |
| Allowance Coverage of NPLs | n/a | 0.6x | 0.6x | 0.8x | 1.1x | 1.4x | 1.4x | 2.0x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.85% | 11.30% | 11.16% | 11.08% | 11.21% | 11.46% | 11.35% | +18 bps | |
| Total Risk-Based Capital | 16.91% | 17.13% | 17.44% | 17.62% | 18.09% | 18.28% | 19.46% | 19.68% | +206 bps | |
| Equity / Assets | 11.45% | 11.64% | 12.06% | 11.71% | 11.91% | 11.69% | 11.87% | 11.69% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.38% | 92.75% | 96.06% | 87.69% | 88.73% | 87.15% | 83.28% | 80.61% | -709 bps | |
| Liquid Assets / Assets | 0.04% | 0.01% | 0.01% | 0.02% | 0.04% | 0.04% | 0.05% | 0.04% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |