Pleasant Hills, PA · Charter 12742
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Pleasant Hills, PA · Charter 12742
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.13% | 1.73% | 1.46% | -1.39% | -0.12% | -0.44% | -39.74% | -4,120 bps | |
| Return on Equity | n/a | 7.30% | 11.29% | 10.08% | -9.33% | -0.77% | -2.94% | -443% | -45,340 bps | |
| Net Interest Margin | 3.54% | 3.48% | 3.53% | 3.31% | 2.52% | 3.37% | 2.67% | 4.15% | +83 bps | |
| Efficiency Ratio | 63.31% | 61.68% | 54.07% | 57.41% | 78.22% | 64.53% | 78.75% | 178.19% | +12,078 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.73% | -1.03% | -5.74% | -1.93% | 6.78% | 6.22% | -0.18% | -22.61% | -2,068 bps | |
| Loan Growth (YoY) | -14.32% | -20.14% | -18.09% | -15.28% | -23.89% | -34.80% | -39.11% | -44.96% | -2,967 bps | |
| Share Growth (YoY) | -1.72% | -3.69% | -9.10% | -4.64% | 7.28% | 7.64% | 0.63% | -16.13% | -1,149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.12% | 10.80% | 12.46% | 20.15% | 23.04% | 29.44% | 34.97% | 36.89% | +1,674 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.51% | 5.46% | 5.85% | 6.04% | 8.80% | 6.35% | 7.82% | 34.43% | +2,840 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 15.51% | 15.36% | 14.50% | 14.90% | 15.06% | 15.08% | 8.96% | -553 bps | |
| Net Worth / Assets | n/a | 15.51% | 15.36% | 14.50% | 14.90% | 15.06% | 15.08% | 8.96% | -553 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.16% | 70.99% | 64.02% | 60.14% | 49.06% | 43.00% | 38.74% | 39.47% | -2,067 bps | |
| Liquid Assets / Assets | 40.24% | 41.44% | 47.73% | 50.84% | 60.24% | 63.87% | 68.94% | 70.30% | +1,946 bps | |