Towanda, PA · Cert 35210
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.83% | -2.55% | -1.95% | -1.43% | -0.61% | -0.28% | -0.48% | -2.51% | -108 bps | |
| Return on Equity | n/a | -15.31% | -13.95% | -11.22% | -5.10% | -2.41% | -4.28% | -24.04% | -1,282 bps | |
| Net Interest Margin | 2.89% | 2.86% | 2.75% | 2.91% | 3.35% | 3.43% | 3.66% | 3.40% | +49 bps | |
| Efficiency Ratio | 159.50% | 155.99% | 135.66% | 123.65% | 106.54% | 106.66% | 99.50% | 154.49% | +3,084 bps | |
| Non-Interest Burden | 4.89% | 4.70% | 3.90% | 3.67% | 3.59% | 3.68% | 3.65% | 5.35% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 209% | 109.54% | 105.89% | 47.81% | 40.18% | 23.70% | 10.46% | 18.75% | -2,906 bps | |
| Loan Growth (YoY) | 201% | 162.29% | 127.14% | 87.58% | 63.78% | 38.39% | 27.35% | 13.01% | -7,457 bps | |
| Deposit Growth (YoY) | 357% | 151.15% | 148.92% | 61.91% | 51.76% | 31.37% | 15.14% | 23.91% | -3,800 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% | 0.57% | 0.00% | 0.11% | 0.01% | 0.03% | 0.24% | 0.76% | +65 bps | |
| Allowance / Loans | 1.50% | 1.38% | 1.45% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 0 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 | 25.18% | 21.12% | 17.06% | 16.85% | 15.59% | 15.56% | 14.72% | 13.81% | -304 bps | |
| Equity / Assets | 18.33% | 15.17% | 12.99% | 12.53% | 11.52% | 11.31% | 11.19% | 9.73% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.44% | 86.02% | 86.19% | 93.13% | 92.21% | 90.61% | 95.32% | 84.94% | -819 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.02% | 0.01% | 0.03% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |