Hermitage, PA · Cert 35177
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 8.99% | 13.25% | 10.76% | 17.35% | 18.93% | +994 bps | |
| Return on Equity | 12.07% | 17.76% | 15.63% | 26.02% | 28.32% | +1,625 bps | |
| Net Interest Margin | 0.05% | 0.11% | -0.35% | -0.23% | -0.21% | -26 bps | |
| Efficiency Ratio | 96.01% | 94.01% | 94.95% | 92.06% | 91.04% | -496 bps | |
| Non-Interest Burden | -13.07% | -21.64% | -19.75% | -28.33% | -28.89% | -1,583 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 125.13% | 92.45% | 19.87% | 18.96% | 19.65% | -10,548 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 74.08% | 74.89% | 63.38% | 62.85% | 67.14% | -694 bps | |
| Equity / Assets | 74.41% | 75.25% | 63.64% | 63.07% | 67.32% | -709 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |