Ford City, PA · Cert 6038
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 2.04% | 1.63% | 2.44% | 3.51%1 | +243 bps | |
| Return on Equity | 8.88% | 16.63% | 13.52% | 20.36% | 28.87% | +2,000 bps | |
| Net Interest Margin | 3.35% | 3.51% | 4.03% | 3.90% | 3.84% | +49 bps | |
| Efficiency Ratio | 61.61% | 53.28% | 48.52% | 46.35% | 54.22% | -739 bps | |
| Non-Interest Burden | 2.02% | 1.78% | 1.72% | 1.72% | 2.01% | -1 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% | 0.10% | 0.02% | 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 |