Dauphin, PA · Cert 7461
FDIC · 8 branches
Q4 2022
Market Position · Harrisburg-Carlisle, PA · 2022 SOD (annual) · 3.7% share · #9 of 26 inst. · $0.7B of $19.6B
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.19% | 1.21% | 1.23% | 1.14% | +11 bps | |
| Return on Equity | 10.66% | 10.70% | 10.85% | 10.93% | 10.15% | -50 bps | |
| Net Interest Margin | 4.21% | 3.64% | 3.72% | 3.93% | 4.05% | -15 bps | |
| Efficiency Ratio | 53.50% | 59.66% | 59.53% | 58.48% | 61.59% | +809 bps | |
| Non-Interest Burden | 2.10% | 2.04% | 2.08% | 2.15% | 2.38% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.02% | -7.90% | -6.72% | -6.64% | 9.72% | +2,175 bps | |
| Loan Growth (YoY) | -9.45% | -11.43% | -6.07% | 1.67% | 11.63% | +2,108 bps | |
| Deposit Growth (YoY) | -12.04% | -7.42% | -7.03% | -5.59% | 10.96% | +2,300 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.45% | 1.37% | 1.37% | 1.31% | 1.43% | -2 bps | |
| Net Charge-Offs / Loans | 0.65% | 0.00% | 0.02% | 0.10% | 0.07% | -58 bps | |
| Allowance / Loans | 1.42% | 1.44% | 1.46% | 1.49% | 1.51% | +9 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.1x | 1.1x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.83% | 11.10% | 11.26% | 11.47% | 11.68% | +85 bps | |
| Total Risk-Based Capital | 13.53% | 13.50% | 13.38% | 13.36% | 13.28% | -25 bps | |
| Equity / Assets | 11.28% | 10.98% | 11.21% | 11.46% | 11.24% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.30% | 101.02% | 102.89% | 105.63% | 107.95% | +65 bps | |
| Liquid Assets / Assets | 3.31% | 7.18% | 5.54% | 4.47% | 5.57% | +227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |