Liverpool, PA · Cert 7582
FDIC · 1 branch
Q1 2018
Market Position · Harrisburg-Carlisle, PA · 2017 SOD (annual) · 0.3% share · #22 of 26 inst. · $0.0B of $14.2B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.24% | 1.25% | 1.01% | 1.13% | 1.11% | 0.89% | 1.53% | +52 bps | |
| Return on Equity | 5.72% | 6.04% | 6.13% | 5.07% | 5.64% | 5.45% | 4.37% | 7.26% | +219 bps | |
| Net Interest Margin | 3.92% | 3.90% | 3.82% | 3.61% | 3.65% | 3.77% | 3.89% | 3.98% | +37 bps | |
| Efficiency Ratio | 60.86% | 58.66% | 57.54% | 62.17% | 60.09% | 59.93% | 62.00% | 58.04% | -413 bps | |
| Non-Interest Burden | 2.25% | 2.14% | 2.05% | 2.13% | 2.07% | 2.14% | 2.29% | 2.19% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | 0.69% | 6.29% | 6.56% | 5.39% | 2.86% | -2.05% | -3.92% | -1,048 bps | |
| Loan Growth (YoY) | 0.12% | 1.86% | -0.83% | -3.38% | -3.22% | -2.44% | -0.12% | -1.63% | +175 bps | |
| Deposit Growth (YoY) | 0.67% | -0.30% | 6.94% | 7.20% | 5.62% | 2.47% | -3.53% | -5.70% | -1,289 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.05% | 1.92% | 0.92% | 0.15% | 0.19% | -86 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.22% | 1.22% | 1.24% | 1.21% | 1.21% | 1.21% | 1.22% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.2x | 0.6x | 1.3x | 8.2x | 6.3x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.54% | 20.62% | 20.52% | 20.35% | 20.33% | 20.60% | 21.05% | 21.41% | +106 bps | |
| Total Risk-Based Capital | 37.80% | 38.20% | 39.07% | 39.16% | 39.51% | 38.34% | 39.49% | 40.66% | +150 bps | |
| Equity / Assets | 20.69% | 20.73% | 19.96% | 19.72% | 20.52% | 20.96% | 20.98% | 21.13% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.75% | 97.53% | 89.25% | 85.68% | 88.65% | 92.86% | 92.41% | 89.37% | +369 bps | |
| Liquid Assets / Assets | 3.37% | 3.33% | 2.65% | 12.23% | 13.68% | 8.87% | 9.82% | 11.29% | -94 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |