Port Allegany, PA · Cert 7704
FDIC · 3 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Port Allegany, PA · Cert 7704
FDIC · 3 branches
Q3 2015
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 | 0.97% | 0.87% | 0.82% | 0.84% | 0.84% | 0.63% | 0.68% | 0.69% | -14 bps | |
| Return on Equity | 9.93% | 8.34% | 7.75% | 7.76% | 7.78% | 5.78% | 6.18% | 6.25% | -151 bps | |
| Net Interest Margin | 3.33% | 3.45% | 3.35% | 3.23% | 3.32% | 3.14% | 3.08% | 3.34% | +11 bps | |
| Efficiency Ratio | 69.27% | 73.85% | 75.14% | 74.65% | 75.42% | 81.16% | 79.77% | 80.47% | +582 bps | |
| Non-Interest Burden | 2.19% | 2.46% | 2.43% | 2.31% | 2.41% | 2.48% | 2.39% | 2.61% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.62% | -4.76% | -0.14% | 0.08% | -0.85% | -3.21% | -4.03% | -4.54% | -462 bps | |
| Loan Growth (YoY) | -4.26% | -2.67% | -1.70% | 1.17% | 3.06% | 2.78% | 3.63% | 3.40% | +223 bps | |
| Deposit Growth (YoY) | -6.43% | -4.04% | -2.82% | -2.50% | -2.97% | -0.42% | -0.33% | -0.86% | +164 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 | 0.05% | -0.04% | 0.00% | 0.04% | 0.05% | 0.10% | 0.07% | 0.06% | +2 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.26% | 1.22% | 1.22% | 1.19% | 1.16% | 1.15% | -8 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 | 10.42% | 10.12% | 10.23% | n/a | |
| Total Risk-Based Capital | 24.93% | 25.14% | 25.08% | 25.81% | 25.44% | 22.74% | 21.77% | 23.75% | -206 bps | |
| Equity / Assets | 10.24% | 10.63% | 10.89% | 11.27% | 10.75% | 11.21% | 10.94% | 11.37% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.87% | 56.00% | 56.75% | 57.85% | 59.35% | 57.80% | 59.01% | 60.33% | +249 bps | |
| Liquid Assets / Assets | 2.51% | 2.48% | 2.46% | 2.49% | 2.26% | 1.18% | 1.45% | 1.47% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |