Ford City, PA · Cert 6038
FDIC
Q2 2002
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.61% | 1.62% | 2.44% | 2.98%1 | +159 bps | |
| Return on Equity | n/a | n/a | n/a | 20.36% | 24.72% | n/a | |
| Net Interest Margin | 3.26% | 3.29% | 3.49% | 3.90% | 3.80% | +54 bps | |
| Efficiency Ratio | 60.04% | 57.61% | 54.87% | 46.35% | 50.32% | -972 bps | |
| Non-Interest Burden | 1.90% | 1.82% | 1.81% | 1.72% | 1.84% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.55% | 8.62% | 6.14% | 5.94% | 7.40% | -115 bps | |
| Loan Growth (YoY) | 5.67% | 6.48% | 7.42% | 7.86% | 7.18% | +151 bps | |
| Deposit Growth (YoY) | 6.12% | 8.08% | 8.30% | 7.80% | 10.39% | +426 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.04% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 0.65% | 0.61% | 0.60% | 0.60% | 0.60% | -5 bps | |
| 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 | 20.74% | 20.60% | 19.62% | 20.33% | 20.31% | -43 bps | |
| Equity / Assets | 12.41% | 12.11% | 11.93% | 12.07% | 12.21% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.73% | 83.11% | 83.93% | 82.19% | 80.33% | -241 bps | |
| Liquid Assets / Assets | 18.34% | 16.70% | 14.15% | 14.37% | 15.52% | -282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |