Middleburg, PA · Cert 7774
FDIC · 7 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Middleburg, PA · Cert 7774
FDIC · 7 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.51% | 0.78% | 0.76% | 0.65% | 0.38% | 0.68% | 0.79% | +4 bps | |
| Return on Equity | 4.91% | 4.67% | 7.09% | 6.95% | 6.02% | 3.65% | 6.60% | 7.73% | +78 bps | |
| Net Interest Margin | 2.83% | 2.98% | 2.98% | 2.99% | 2.93% | 3.08% | 3.14% | 3.10% | +12 bps | |
| Efficiency Ratio | 82.37% | 80.75% | 82.80% | 81.44% | 81.33% | 83.94% | 80.59% | 78.80% | -264 bps | |
| Non-Interest Burden | 2.12% | 2.19% | 2.27% | 2.22% | 2.17% | 2.40% | 2.31% | 2.20% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | 3.32% | 4.00% | 1.41% | 3.13% | -0.03% | 2.99% | 0.66% | -74 bps | |
| Loan Growth (YoY) | -1.59% | -1.31% | 1.09% | -1.21% | -2.90% | -6.49% | -7.37% | -4.90% | -369 bps | |
| Deposit Growth (YoY) | 6.62% | 5.41% | 6.60% | 3.31% | 3.73% | 1.22% | 4.50% | 1.19% | -213 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.39% | 1.01% | 0.33% | 0.54% | 0.64% | 0.41% | 0.29% | -5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.21% | -0.02% | 0.03% | 0.03% | 0.00% | 0.07% | 0.03% | 0 bps | |
| Allowance / Loans | 0.92% | 0.89% | 0.64% | 0.60% | 0.64% | 0.76% | 0.66% | 0.64% | +4 bps | |
| Allowance Coverage of NPLs | n/a | 0.4x | 0.6x | 1.8x | 1.2x | 1.2x | 1.6x | 2.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.42% | 10.74% | 10.82% | 10.52% | 10.04% | 10.41% | 10.71% | 10.55% | +3 bps | |
| Total Risk-Based Capital | 16.20% | 16.10% | 16.45% | 16.25% | 15.93% | 16.24% | 16.78% | 16.94% | +70 bps | |
| Equity / Assets | 10.79% | 11.03% | 11.09% | 10.81% | 10.27% | 10.43% | 10.20% | 10.24% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.41% | 76.35% | 74.40% | 71.43% | 69.66% | 70.53% | 65.95% | 67.13% | -430 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.12% | 0.08% | 0.11% | 0.11% | 0.11% | 0.11% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |