Wexford, PA · Cert 30197
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.40% | 0.46% | 0.49% | 0.55% | 0.25%1 | 0.37%1 | -0.24% | -73 bps | |
| Return on Equity | 4.88% | 5.40% | 6.01% | 6.17% | 6.82% | 3.06% | 4.55% | -3.03% | -920 bps | |
| Net Interest Margin | 2.22% | 2.22% | 2.25% | 2.20% | 2.03% | 2.01% | 1.98% | 1.56% | -64 bps | |
| Efficiency Ratio | 71.62% | 69.85% | 70.49% | 68.57% | 67.25% | 90.85% | 86.42% | 115.62% | +4,704 bps | |
| Non-Interest Burden | 1.51% | 1.46% | 1.50% | 1.42% | 1.12% | 1.81% | 1.67% | 1.85% | +43 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 | 0.02% | -0.12% | 0.11% | 0.06% | 0.00% | 0.12% | 0.02% | 0.16% | +10 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 |