Evans City, PA · Cert 7879
FDIC · 16 branches
Q3 2014
Market Position · Pittsburgh, PA · 2014 SOD (annual) · 0.5% share · #18 of 57 inst. · $0.5B of $98.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.10% | 0.52% | 0.51% | 0.36% | 0.51% | 0.51% | -0.62% | -113 bps | |
| Return on Equity | 1.89% | 1.12% | 5.81% | 5.74% | 3.95% | 5.27% | 5.30% | -6.62% | -1,237 bps | |
| Net Interest Margin | 2.76% | 2.64% | 2.66% | 2.74% | 2.74% | 2.86% | 2.79% | 2.70% | -5 bps | |
| Efficiency Ratio | 95.26% | 96.03% | 85.27% | 86.31% | 88.83% | 80.71% | 81.17% | 110.61% | +2,430 bps | |
| Non-Interest Burden | 2.59% | 2.51% | 2.10% | 2.24% | 2.38% | 2.16% | 2.17% | 3.12% | +88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.01% | 3.02% | 1.39% | 5.20% | 1.00% | 1.35% | 3.33% | 1.78% | -342 bps | |
| Loan Growth (YoY) | -2.17% | -2.40% | 5.54% | 3.54% | 8.64% | 12.58% | 9.44% | 9.37% | +582 bps | |
| Deposit Growth (YoY) | 4.79% | 3.20% | 2.07% | 6.56% | 1.61% | 2.05% | 3.57% | 3.72% | -284 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 | 3.59% | 0.48% | -0.09% | 0.07% | 0.14% | 0.10% | -0.03% | 0.12% | +5 bps | |
| Allowance / Loans | 1.33% | 1.26% | 1.23% | 1.20% | 1.12% | 1.19% | 1.21% | 1.25% | +4 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 | 16.19% | 16.27% | 15.80% | 15.82% | 15.65% | 15.73% | 15.69% | 15.50% | -32 bps | |
| Equity / Assets | 9.12% | 8.96% | 8.94% | 8.70% | 9.47% | 9.70% | 9.60% | 9.21% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.60% | 62.65% | 66.12% | 63.98% | 68.00% | 69.11% | 69.86% | 67.46% | +348 bps | |
| Liquid Assets / Assets | 23.06% | 23.28% | 19.14% | 19.77% | 15.81% | 13.67% | 13.42% | 14.65% | -512 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |