Investor Presentation (2Q2016)
Financial Performance Summary
($000s, except earnings per share)
Net Income (1)
Diluted Earnings per Share (¹)
Net Charge-Offs as % of Average Loans
Net Interest Margin (FTE)
Return on Average Assets (1)
Return on Average Tangible Equity (1)
Efficiency Ratio (1)
Three Months Ending
3/31/15
$ 20,213
$ 0.59
0.16%
3.59%
0.83%
11.78%
58.24%
3/31/16
$ 22,874
0.60
0.12%
3.29%
1.08%
14.40%
55.52%
Change
13.2%
1.7%
(4bp)
(30bp)
25bp
262bp
(272bp)
Twelve Months Ending
12/31/14
$ 70,825
$ 2.41
0.23%
3.61%
1.13%
15.57%
59.59%
12/31/15
$ 87,965
$
2.34
0.20%
3.41%
1.08%
14.58%
57.05%
Change
24.2%
(2.9%)
(3bp)
(20bp)
(5bp)
(99bp)
(1) excludes merger-related expenses
Note: please see the reconciliations to GAAP results in the appendix; ESB Financial Corporation merger consummated February 10, 2015
(254bp)
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