Marysville, PA · Cert 7598
FDIC · 25 branches
Q3 2021
Market Position · Harrisburg-Carlisle, PA · 2021 SOD (annual) · 1.5% share · #15 of 27 inst. · $0.3B of $20.4B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.44% | -1.63% | 1.01% | 1.31% | 1.25% | +369 bps | |
| Return on Equity | -26.46% | -17.90% | 11.59% | 14.21% | 13.12% | +3,958 bps | |
| Net Interest Margin | 3.36% | 3.41% | 3.36% | 3.50% | 3.53% | +17 bps | |
| Efficiency Ratio | 78.21% | 76.96% | 66.77% | 64.06% | 64.61% | -1,360 bps | |
| Non-Interest Burden | 4.61% | 4.00% | 1.79% | 1.82% | 2.01% | -260 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.27% | 25.66% | 22.98% | -9.85% | -8.46% | -3,072 bps | |
| Loan Growth (YoY) | 32.15% | 34.19% | 23.27% | -18.88% | -25.81% | -5,795 bps | |
| Deposit Growth (YoY) | 6.44% | 9.01% | 13.79% | 2.98% | 4.57% | -186 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.14% | 0.27% | 0.26% | 0.48% | +20 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.02% | 0.13% | 0.10% | -8 bps | |
| Allowance / Loans | 1.00% | 1.07% | 1.11% | 1.15% | 1.25% | +25 bps | |
| Allowance Coverage of NPLs | 3.5x | 7.7x | 4.1x | 4.4x | 2.6x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.41% | 9.76% | 9.86% | 10.01% | 10.41% | +200 bps | |
| Total Risk-Based Capital | 12.39% | 14.17% | 9.86% | 10.01% | 10.41% | -198 bps | |
| Equity / Assets | 7.49% | 8.76% | 8.72% | 10.37% | 10.42% | +293 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.14% | 111.46% | 100.26% | 89.98% | 80.27% | -3,287 bps | |
| Liquid Assets / Assets | 1.57% | 2.67% | 3.91% | 3.93% | 14.11% | +1,254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |