Harrisburg, PA · Cert 35482
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Harrisburg, PA · Cert 35482
FDIC
Q1 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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 226% | 230% | 230% | 232% | 225% | 223% | 214% | 212% | -2,046 bps | |
| Return on Equity | n/a | n/a | n/a | 586% | 553% | 547% | 522% | 512% | -7,435 bps | |
| Net Interest Margin | 0.11% | 0.12% | 0.11% | 0.11% | 0.21% | 0.50% | 0.60% | 0.72% | +61 bps | |
| Efficiency Ratio | 28.80% | 29.24% | 29.72% | 28.72% | 31.22% | 31.13% | 33.18% | 30.26% | +154 bps | |
| Non-Interest Burden | -514% | -561% | -487% | -510% | -434% | -484% | -463% | -420% | +8,954 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.62% | -4.46% | -17.87% | 10.49% | -13.20% | 5.52% | 4.28% | -4.29% | -1,478 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 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 | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| 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 | 132.63% | 183.92% | 126.46% | 172.50% | 70.88% | 71.62% | 68.51% | 73.29% | -9,921 bps | |
| Equity / Assets | 37.46% | 43.62% | 39.64% | 39.58% | 43.18% | 41.34% | 41.12% | 41.62% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |