Wexford, PA · Cert 30197
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 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.
Wexford, PA · Cert 30197
FDIC
Q3 2003
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.40% | 0.43% | 0.45% | 0.48% | 0.25%1 | 0.31%1 | 0.13%1 | -32 bps | |
| Return on Equity | n/a | 5.40% | 5.68% | 5.86% | 6.11% | 3.06% | 3.81% | 1.64% | -421 bps | |
| Net Interest Margin | 2.23% | 2.22% | 2.24% | 2.23% | 2.22% | 2.01% | 2.02% | 1.89% | -35 bps | |
| Efficiency Ratio | 71.66% | 69.85% | 70.17% | 69.64% | 69.02% | 90.85% | 88.67% | 96.32% | +2,668 bps | |
| Non-Interest Burden | 1.53% | 1.46% | 1.49% | 1.47% | 1.41% | 1.81% | 1.76% | 1.81% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.02% | -1.23% | -1.67% | -2.99% | -3.14% | -8.52% | -7.69% | -9.85% | -686 bps | |
| Loan Growth (YoY) | -10.38% | -13.01% | -12.80% | -15.19% | -13.84% | -14.02% | -7.64% | -2.26% | +1,293 bps | |
| Deposit Growth (YoY) | -4.07% | -3.37% | -6.32% | -8.18% | -8.50% | -7.88% | -5.15% | -7.05% | +114 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 | 0.07% | -0.12% | -0.01% | 0.02% | 0.01% | 0.12% | 0.07% | 0.10% | +8 bps | |
| Allowance / Loans | 1.00% | 1.12% | 1.17% | 1.24% | 1.29% | 1.33% | 1.32% | 1.30% | +6 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 | 14.30% | 14.36% | 14.74% | 14.29% | 14.50% | 14.89% | 13.53% | 13.14% | -115 bps | |
| Equity / Assets | 7.50% | 7.47% | 7.96% | 7.93% | 8.15% | 8.47% | 7.92% | 7.68% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 136.70% | 132.68% | 131.88% | 123.72% | 128.72% | 123.84% | 128.41% | 130.08% | +637 bps | |
| Liquid Assets / Assets | 5.60% | 5.06% | 4.72% | 7.87% | 3.80% | 8.74% | 6.00% | 6.00% | -187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |