Harrisburg, PA · Cert 35482
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 232% | 214% | 225% | 189.20% | 212% | -2,046 bps | |
| Return on Equity | 586% | 517% | 534% | 459% | 512% | -7,435 bps | |
| Net Interest Margin | 0.11% | 0.31% | 1.04% | 0.92% | 0.72% | +61 bps | |
| Efficiency Ratio | 28.72% | 33.81% | 30.95% | 39.40% | 30.26% | +154 bps | |
| Non-Interest Burden | -510% | -409% | -474% | -415% | -420% | +8,954 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| 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 | 172.50% | 70.88% | 71.62% | 68.51% | 73.29% | -9,921 bps | |
| Equity / Assets | 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 |
| 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 |