Jefferson, PA · Cert 19104
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Jefferson, PA · Cert 19104
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.68% | 0.67% | 0.70% | 0.76% | 0.93% | 1.00% | 0.97% | +27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 12.13% | 12.55% | 12.07% | n/a | |
| Net Interest Margin | n/a | 2.55% | 2.52% | 2.41% | 2.52% | 3.10% | 3.04% | 2.98% | +57 bps | |
| Efficiency Ratio | n/a | 70.17% | 70.19% | 68.86% | 67.37% | 59.78% | 59.37% | 59.36% | -950 bps | |
| Non-Interest Burden | n/a | 1.65% | 1.62% | 1.52% | 1.55% | 1.74% | 1.69% | 1.66% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.51% | -9.95% | -5.24% | 7.48% | 7.97% | 7.67% | 9.42% | -4.06% | -1,154 bps | |
| Loan Growth (YoY) | -5.60% | 0.49% | 7.94% | 19.53% | 17.03% | 13.20% | 13.89% | 2.80% | -1,673 bps | |
| Deposit Growth (YoY) | 10.58% | 8.86% | 3.68% | 23.40% | 23.23% | 22.33% | 22.84% | -0.22% | -2,362 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 | n/a | 0.04% | 0.06% | 0.07% | 0.07% | 0.10% | 0.08% | 0.52% | +45 bps | |
| Allowance / Loans | n/a | 1.10% | 1.12% | 1.36% | 1.41% | 1.42% | 1.41% | 1.17% | -19 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 12.04% | 11.94% | 12.30% | 12.27% | 11.95% | 12.39% | 12.05% | -25 bps | |
| Equity / Assets | n/a | 6.27% | 6.21% | 8.15% | 7.57% | 7.80% | 8.41% | 8.51% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.35% | 79.37% | 80.49% | 74.16% | 72.51% | 73.45% | 74.62% | 76.41% | +225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.98% | 0.06% | 0.00% | 0.08% | 1.40% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |