Selinsgrove, PA · Cert 441
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.00% | 0.84% | 0.82% | 0.55% | 0.71% | 0.65% | -0.51% | -133 bps | |
| Return on Equity | 8.48% | 9.98% | 9.00% | 8.83% | 5.84% | 6.88% | 5.98% | -4.72% | -1,355 bps | |
| Net Interest Margin | 2.67% | 2.52% | 2.48% | 2.49% | 2.43% | 2.55% | 2.40% | 2.31% | -17 bps | |
| Efficiency Ratio | 80.37% | 76.31% | 76.14% | 72.19% | 73.40% | 71.73% | 76.68% | 96.31% | +2,412 bps | |
| Non-Interest Burden | 1.68% | 1.69% | 1.69% | 1.53% | 1.68% | 1.55% | 1.61% | 2.22% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 8.98% | 11.24% | 8.68% | 9.10% | 4.17% | 2.90% | -0.04% | -872 bps | |
| Loan Growth (YoY) | 16.34% | 11.83% | 12.35% | 14.19% | 12.05% | 10.54% | 3.27% | 0.11% | -1,408 bps | |
| Deposit Growth (YoY) | 1.08% | 2.60% | 12.91% | 8.07% | 5.06% | 8.56% | -0.60% | -2.79% | -1,085 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 | 0.77% | 0.09% | 0.14% | 0.31% | -0.07% | -0.14% | 0.09% | 0.56% | +26 bps | |
| Allowance / Loans | 1.02% | 1.05% | 1.12% | 1.08% | 1.14% | 1.23% | 1.29% | 1.41% | +34 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 | 12.08% | 11.71% | 9.92% | 10.16% | 10.26% | 10.90% | 11.09% | 11.11% | +95 bps | |
| Equity / Assets | 10.33% | 9.64% | 9.13% | 9.36% | 9.53% | 11.08% | 10.71% | 10.95% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.09% | 103.47% | 100.61% | 102.74% | 109.95% | 105.37% | 104.53% | 105.80% | +306 bps | |
| Liquid Assets / Assets | 2.05% | 0.03% | 1.56% | 0.08% | 0.05% | 0.05% | 0.14% | 0.15% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |