Fredericksburg, PA · Cert 7502
FDIC · 7 branches
Q3 2015
Market Position · Lebanon, PA · 2015 SOD (annual) · 6.9% share · #5 of 12 inst. · $0.1B of $2.0B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.20% | 0.21% | 0.17% | 0.13% | 0.17% | 0.17% | 0.03% | -15 bps | |
| Return on Equity | 2.44% | 3.17% | 3.30% | 2.68% | 2.05% | 2.58% | 2.58% | 0.38% | -230 bps | |
| Net Interest Margin | 3.15% | 3.11% | 3.07% | 3.09% | 3.08% | 2.97% | 2.96% | 2.97% | -12 bps | |
| Efficiency Ratio | 94.28% | 93.04% | 92.53% | 91.75% | 93.33% | 91.03% | 91.04% | 95.56% | +381 bps | |
| Non-Interest Burden | 2.94% | 2.86% | 2.81% | 2.80% | 2.84% | 2.66% | 2.65% | 2.82% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.14% | 4.26% | 4.11% | 4.58% | 7.74% | 4.93% | 2.87% | 0.98% | -361 bps | |
| Loan Growth (YoY) | 13.10% | 8.40% | 7.96% | 5.42% | -0.85% | -0.74% | 1.89% | 3.06% | -236 bps | |
| Deposit Growth (YoY) | 3.90% | 4.90% | 4.03% | 4.61% | 7.90% | 4.89% | 2.89% | 0.90% | -371 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 | 0.19% | -0.01% | 0.06% | 0.12% | 0.14% | 0.06% | 0.08% | 0.19% | +7 bps | |
| Allowance / Loans | 0.79% | 0.80% | 0.78% | 0.83% | 0.81% | 0.82% | 0.83% | 0.84% | +1 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 | 7.35% | 7.30% | 7.24% | n/a | |
| Total Risk-Based Capital | 11.34% | 11.49% | 11.64% | 11.60% | 11.67% | 11.56% | 11.39% | 11.17% | -43 bps | |
| Equity / Assets | 6.44% | 6.36% | 6.58% | 6.63% | 6.70% | 6.65% | 6.78% | 6.96% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.56% | 68.74% | 69.06% | 69.82% | 66.67% | 65.05% | 68.39% | 71.31% | +149 bps | |
| Liquid Assets / Assets | 7.04% | 10.32% | 11.61% | 11.59% | 14.78% | 17.16% | 13.32% | 10.96% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |