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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.38% | -0.18% | 1.55% | 1.19% | 1.22% | 1.25% | 0.90% | -65 bps | |
| Return on Equity | 15.16% | 14.59% | -1.85% | 14.91% | 10.70% | 11.00% | 11.07% | 7.93% | -698 bps | |
| Net Interest Margin | 3.83% | 3.82% | 3.90% | 4.40% | 3.64% | 3.85% | 4.38% | 4.45% | +5 bps | |
| Efficiency Ratio | 54.36% | 54.32% | 52.85% | 52.50% | 59.66% | 59.41% | 56.69% | 70.20% | +1,770 bps | |
| Non-Interest Burden | 1.92% | 1.94% | 1.92% | 2.19% | 2.04% | 2.14% | 2.33% | 3.08% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.32% | 6.83% | 3.49% | -12.02% | -7.90% | -6.72% | -6.64% | 9.72% | +2,175 bps | |
| Loan Growth (YoY) | 44.10% | 4.34% | -3.06% | -9.45% | -11.43% | -6.07% | 1.67% | 11.63% | +2,108 bps | |
| Deposit Growth (YoY) | 43.46% | 10.88% | 5.58% | -12.04% | -7.42% | -7.03% | -5.59% | 10.96% | +2,300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.54% | 1.48% | 1.45% | 1.37% | 1.37% | 1.31% | 1.43% | -2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.10% | 2.35% | -0.01% | 0.00% | 0.04% | 0.28% | -0.01% | 0 bps | |
| Allowance / Loans | 1.09% | 1.15% | 1.28% | 1.42% | 1.44% | 1.46% | 1.49% | 1.51% | +9 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 0.9x | 1.0x | 1.1x | 1.1x | 1.1x | 1.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.39% | 9.62% | 9.79% | 10.83% | 11.10% | 11.26% | 11.47% | 11.68% | +85 bps | |
| Total Risk-Based Capital | 12.83% | 12.89% | 12.81% | 13.53% | 13.50% | 13.38% | 13.36% | 13.28% | -25 bps | |
| Equity / Assets | 9.20% | 9.66% | 9.61% | 11.28% | 10.98% | 11.21% | 11.46% | 11.24% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.59% | 101.84% | 98.09% | 107.30% | 101.02% | 102.89% | 105.63% | 107.95% | +65 bps | |
| Liquid Assets / Assets | 4.00% | 6.51% | 10.29% | 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 | n/a | n/a | n/a |