PackageTrendsPeer
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Reeves Bank

Beaver Falls, PA · Cert 19868

FDIC

Q4 2000

$171.1MAssets
$134.1MLoans
$155.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.27%, up 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.10% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.27%+18 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.05%1.03%1.06%1.09%1.12%1.22%1.24%1.27%+18 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)0.48%3.83%6.64%11.19%14.28%11.26%15.18%6.85%-435 bps
Loan Growth (YoY)10.89%5.19%7.94%8.92%7.01%11.32%13.46%13.23%+430 bps
Deposit Growth (YoY)-0.09%4.75%7.11%11.41%15.04%12.05%14.63%6.80%-462 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits86.34%83.14%82.87%81.21%80.32%82.60%82.02%86.10%+489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a