Meyersdale, PA · Cert 7919
FDIC · 2 branches
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.08% | -0.24% | -1.38% | 0.13% | 0.22% | 0.25% | -1.18% | +20 bps | |
| Return on Equity | -2.79% | -0.90% | -2.74% | -15.08% | 1.40% | 2.56% | 3.10% | -15.86% | -78 bps | |
| Net Interest Margin | 1.85% | 2.26% | 2.21% | 2.30% | 2.37% | 2.40% | 2.25% | 2.46% | +16 bps | |
| Efficiency Ratio | 117.88% | 117.65% | 122.82% | 202% | 119.51% | 94.87% | 87.25% | 174.10% | -2,814 bps | |
| Non-Interest Burden | 2.24% | 2.71% | 2.78% | 5.02% | 2.90% | 2.25% | 1.92% | 4.29% | -73 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% | 0.00% | -0.44% | -0.01% | -0.02% | -0.02% | 0.01% | 0.00% | +1 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 |