Middleburg, PA · Cert 7774
FDIC · 7 branches
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.51% | 1.05% | 0.73% | 0.33% | 0.38% | 0.99% | 1.02% | +30 bps | |
| Return on Equity | 6.61% | 4.67% | 9.48% | 6.63% | 3.15% | 3.65% | 9.60% | 9.99% | +337 bps | |
| Net Interest Margin | 2.87% | 2.98% | 2.99% | 3.08% | 2.99% | 3.08% | 3.19% | 3.17% | +9 bps | |
| Efficiency Ratio | 82.14% | 80.75% | 84.79% | 78.85% | 81.03% | 83.94% | 77.32% | 75.34% | -350 bps | |
| Non-Interest Burden | 2.15% | 2.19% | 2.35% | 2.18% | 2.20% | 2.40% | 2.21% | 2.10% | -8 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 | 0.00% | 0.21% | -0.25% | 0.12% | 0.03% | 0.00% | 0.14% | -0.06% | -18 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 |