Minersville, PA · Cert 7621
FDIC · 1 branch
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Minersville, PA · Cert 7621
FDIC · 1 branch
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.34% | 0.30% | 0.33% | -2.85% | -1.44% | -0.90% | -0.36% | -69 bps | |
| Return on Equity | -0.39% | 2.33% | 2.05% | 2.27% | -20.15% | -10.03% | -6.28% | -2.49% | -475 bps | |
| Net Interest Margin | 2.91% | 2.94% | 2.93% | 2.93% | 2.64% | 2.63% | 2.68% | 2.65% | -28 bps | |
| Efficiency Ratio | 99.86% | 90.98% | 91.31% | 90.35% | 94.29% | 96.82% | 100.39% | 91.34% | +99 bps | |
| Non-Interest Burden | 2.90% | 2.63% | 2.63% | 2.60% | 2.44% | 2.52% | 2.70% | 2.36% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.03% | -2.04% | -3.97% | -3.83% | -0.65% | -3.43% | -3.48% | -3.89% | -5 bps | |
| Loan Growth (YoY) | -5.62% | -5.61% | -6.54% | -6.51% | -5.66% | -5.16% | 11.79% | -5.07% | +144 bps | |
| Deposit Growth (YoY) | -8.45% | -1.97% | -3.57% | -3.45% | 0.51% | -3.53% | -3.90% | -4.72% | -127 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 | 0.68% | 0.35% | 0.32% | 0.21% | 0.00% | 0.01% | 0.00% | 0.04% | -17 bps | |
| Allowance / Loans | 1.15% | 1.17% | 1.12% | 1.17% | 1.19% | 1.20% | 1.03% | 1.01% | -16 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 30.76% | 31.50% | 31.29% | 32.02% | 32.37% | 34.74% | 30.25% | 35.63% | +361 bps | |
| Equity / Assets | 14.86% | 14.63% | 14.00% | 14.29% | 14.03% | 14.69% | 14.38% | 15.03% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.58% | 55.96% | 53.68% | 54.28% | 53.10% | 55.01% | 62.44% | 54.08% | -20 bps | |
| Liquid Assets / Assets | 17.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.28% | 0.29% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |