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Letter portraitLegal landscapeQuarterYTD

First National Bank of Minersville, The

Minersville, PA · Cert 7621

FDIC · 1 branch

Q4 2014

$78.0MAssets
$35.8MLoans
$66.2MDeposits
$11.7MEquity
Loan mix
86%RE $22.9M8%C&I $2.0M6%Consumer $1.7MQ1 2013Q4 2014
Deposit mix
86%Interest-bearing $56.8M14%Noninterest $9.4MQ1 2013Q4 2014

Executive Summary

  • Earnings: ROA of 1.29%, up 87 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 54.08% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

1.29%+87 bps YoY

Net Interest Margin (quarter, annualized)

2.56%-36 bps YoY

Efficiency Ratio (quarter, annualized)

64.68%-2,260 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.45%Q4 ’123.18%Q4 ’132.75%Q4 ’14-7%-12%

Non-interest income vs. expense

3.26%Q4 ’122.84%Q4 ’132.20%Q4 ’14-9%-46%

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.06%0.75%0.21%0.42%-2.85%0.01%0.18%11.29%+87 bps
Return on Equity-0.39%5.08%1.46%2.96%-20.15%0.07%1.21%8.76%+581 bps
Net Interest Margin2.91%2.95%2.91%2.92%2.64%2.61%2.77%2.56%-36 bps
Efficiency Ratio99.86%82.82%91.95%87.28%94.29%99.69%107.57%64.68%-2,260 bps
Non-Interest Burden2.90%2.33%2.63%2.50%2.44%2.60%3.02%1.35%-115 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.68%0.01%0.25%-0.14%0.00%0.01%0.00%0.15%+28 bps
Allowance / Loans1.15%1.17%1.12%1.17%1.19%1.20%1.03%1.01%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital30.76%31.50%31.29%32.02%32.37%34.74%30.25%35.63%+361 bps
Equity / Assets14.86%14.63%14.00%14.29%14.03%14.69%14.38%15.03%+74 bps
Liquidity & Funding
Loans / Deposits56.58%55.96%53.68%54.28%53.10%55.01%62.44%54.08%-20 bps
Liquid Assets / Assets17.11%0.00%0.00%0.00%0.00%0.00%0.28%0.29%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a