Reynoldsville, PA · Cert 7953
FDIC · 4 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Reynoldsville, PA · Cert 7953
FDIC · 4 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.55% | 0.65% | 0.63% | 0.45% | 0.43% | 0.24% | -0.14% | -77 bps | |
| Return on Equity | 5.92% | 5.96% | 7.06% | 6.86% | 4.92% | 4.61% | 2.51% | -1.42% | -828 bps | |
| Net Interest Margin | 3.52% | 3.62% | 3.64% | 3.57% | 3.56% | 3.49% | 3.52% | 3.57% | 0 bps | |
| Efficiency Ratio | 79.29% | 79.19% | 76.47% | 76.55% | 77.17% | 86.65% | 92.71% | 101.12% | +2,457 bps | |
| Non-Interest Burden | 2.71% | 2.80% | 2.70% | 2.65% | 2.67% | 2.98% | 3.24% | 3.61% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 8.83% | 8.71% | 6.04% | 5.22% | 4.42% | -0.38% | -5.45% | -1,149 bps | |
| Loan Growth (YoY) | 10.81% | 9.95% | 9.91% | 6.56% | 4.07% | 2.55% | -1.56% | -2.41% | -897 bps | |
| Deposit Growth (YoY) | 10.61% | 11.89% | 10.44% | 9.85% | 7.24% | 5.19% | 3.16% | 1.84% | -801 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.03% | 0.65% | 0.64% | 0.65% | 0.74% | 0.86% | 3.49% | +285 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.05% | 0.03% | 0.03% | 0.00% | 0.11% | 0.09% | +5 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.10% | 1.08% | 1.10% | 1.10% | 1.07% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 1.1x | 1.7x | 1.7x | 1.7x | 1.5x | 1.2x | 0.3x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.21% | 9.34% | 9.36% | 9.26% | 9.50% | 9.62% | 10.19% | +83 bps | |
| Total Risk-Based Capital | 13.07% | 13.18% | 13.33% | 13.59% | 13.58% | 13.85% | 14.37% | 15.52% | +193 bps | |
| Equity / Assets | 9.19% | 9.15% | 9.17% | 9.29% | 9.24% | 9.33% | 9.73% | 10.65% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.52% | 109.83% | 114.03% | 110.57% | 108.22% | 107.07% | 108.82% | 105.96% | -461 bps | |
| Liquid Assets / Assets | 1.29% | 1.55% | 1.64% | 1.56% | 2.97% | 5.16% | 4.22% | 2.20% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |