Meyersdale, PA · Cert 7919
FDIC · 2 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 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.
Meyersdale, PA · Cert 7919
FDIC · 2 branches
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.16% | -0.19% | -0.47% | 0.13% | 0.18% | 0.20% | -0.18% | +29 bps | |
| Return on Equity | -2.79% | -1.84% | -2.14% | -5.32% | 1.40% | 1.98% | 2.35% | -2.16% | +316 bps | |
| Net Interest Margin | 1.85% | 2.02% | 2.10% | 2.28% | 2.37% | 2.39% | 2.18% | 2.17% | -11 bps | |
| Efficiency Ratio | 117.88% | 117.75% | 119.51% | 140.40% | 119.51% | 107.19% | 100.34% | 119.61% | -2,079 bps | |
| Non-Interest Burden | 2.24% | 2.43% | 2.57% | 3.35% | 2.90% | 2.59% | 2.19% | 2.63% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.63% | 1.55% | -6.38% | -9.61% | -9.37% | -10.86% | 11.31% | 23.27% | +3,289 bps | |
| Loan Growth (YoY) | -19.80% | 14.28% | 14.90% | 18.88% | 19.87% | -3.37% | 24.90% | 24.01% | +513 bps | |
| Deposit Growth (YoY) | -6.65% | -7.37% | -7.20% | -10.31% | -12.10% | -2.53% | 0.49% | 12.95% | +2,326 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 | 0.02% | 0.01% | -0.14% | -0.10% | -0.02% | -0.02% | -0.01% | -0.01% | +10 bps | |
| Allowance / Loans | 1.60% | 1.31% | 1.45% | 1.41% | 1.23% | 1.25% | 0.99% | 0.97% | -44 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 | 10.13% | 10.01% | 9.10% | 8.01% | n/a | |
| Total Risk-Based Capital | 22.40% | 20.16% | 21.10% | 20.17% | 20.49% | 19.67% | 17.68% | 16.12% | -405 bps | |
| Equity / Assets | 8.85% | 8.22% | 9.32% | 9.02% | 9.20% | 8.34% | 7.85% | 7.06% | -196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.97% | 64.79% | 66.43% | 72.44% | 72.23% | 64.24% | 82.56% | 79.53% | +710 bps | |
| Liquid Assets / Assets | 11.06% | 9.56% | 5.09% | 2.05% | 1.29% | 8.46% | 2.80% | 5.62% | +357 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |