Wilkes-Barre, PA · Cert 33913
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.31% | 1.19% | 1.12% | 1.13% | 1.12% | 1.19% | 1.07% | -5 bps | |
| Return on Equity | 12.92% | 13.75% | 12.10% | 11.25% | 11.16% | 10.85% | 11.07% | 9.53% | -172 bps | |
| Net Interest Margin | 3.22% | 3.12% | 3.12% | 2.93% | 2.97% | 2.98% | 3.05% | 3.09% | +16 bps | |
| Efficiency Ratio | 47.95% | 50.28% | 46.91% | 49.63% | 44.81% | 45.32% | 44.94% | 51.04% | +141 bps | |
| Non-Interest Burden | 1.38% | 1.44% | 1.31% | 1.36% | 1.24% | 1.26% | 1.28% | 1.49% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.94% | 11.69% | 6.73% | 5.67% | 2.39% | 3.90% | -1.94% | -4.32% | -999 bps | |
| Loan Growth (YoY) | 7.92% | 9.69% | 7.79% | 6.68% | 5.43% | 4.79% | 5.27% | 6.05% | -63 bps | |
| Deposit Growth (YoY) | 16.79% | 12.86% | 8.17% | 6.68% | 1.12% | 2.44% | -3.60% | -6.05% | -1,273 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 | 0.00% | 0.00% | 0.17% | 0.05% | -0.03% | 0.93% | 0.05% | 0.26% | +21 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.25% | 1.27% | 1.32% | 1.11% | 1.15% | 1.12% | -15 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 | 14.29% | 14.51% | 14.98% | 15.37% | 15.61% | 15.17% | 15.89% | 15.56% | +19 bps | |
| Equity / Assets | 9.36% | 9.74% | 9.87% | 10.00% | 10.34% | 10.29% | 11.22% | 11.26% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.57% | 89.14% | 89.70% | 88.42% | 90.26% | 91.19% | 97.95% | 99.80% | +1,138 bps | |
| Liquid Assets / Assets | 0.09% | 0.03% | 0.07% | 0.03% | 0.02% | 0.02% | 0.03% | 0.01% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |