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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.10% | 0.31% | 0.37% | 0.37% | 0.51% | 0.51% | 0.13% | -25 bps | |
| Return on Equity | 3.07% | 1.12% | 3.44% | 4.19% | 4.11% | 5.27% | 5.29% | 1.32% | -287 bps | |
| Net Interest Margin | 2.85% | 2.64% | 2.66% | 2.65% | 2.66% | 2.86% | 2.81% | 2.73% | +8 bps | |
| Efficiency Ratio | 91.58% | 96.03% | 90.39% | 88.99% | 88.95% | 80.71% | 80.93% | 90.49% | +149 bps | |
| Non-Interest Burden | 2.53% | 2.51% | 2.31% | 2.25% | 2.28% | 2.16% | 2.15% | 2.44% | +19 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 | 0.82% | 0.48% | 0.18% | 0.14% | 0.14% | 0.10% | 0.03% | 0.06% | -8 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 |