Hermitage, PA · Cert 35177
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 17.92% | 23.62% | 10.76% | 22.80% | 21.22% | +329 bps | |
| Return on Equity | 24.70% | 31.58% | 15.63% | 35.99% | 32.53% | +783 bps | |
| Net Interest Margin | 0.16% | 0.27% | -0.35% | -0.15% | -0.21% | -36 bps | |
| Efficiency Ratio | 91.26% | 86.89% | 94.95% | 89.50% | 88.99% | -227 bps | |
| Non-Interest Burden | -28.31% | -41.55% | -19.75% | -39.65% | -35.24% | -692 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 |