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Firth Sterling

McKeesport, PA · Charter 60626

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Firth Sterling

McKeesport, PA · Charter 60626

Q4 2001

$1.8MAssets
$714KLoans
$1.6MShares
$274KNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 28 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.99% of loans (+87 bps YoY).
  • Capital: net worth / assets of 14.89%.
  • Funding: loans stand at 45.81% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.43%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+155 bps YoY

Efficiency Ratio (YTD, annualized)

65.48%-2,907 bps YoY

Net Worth / Assets

14.89%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.10%4.04%3.93%0.16%0.21%0.11%0.82%0.43%+28 bps
Return on Equityn/an/an/an/an/a0.77%5.55%2.90%n/a
Net Interest Marginn/an/an/a2.83%2.74%3.25%3.54%4.38%+155 bps
Efficiency Ration/an/an/a94.55%92.36%89.74%78.01%65.48%-2,907 bps
Growth
Asset Growth (YoY)2.95%3.12%-2.36%-4.35%-1.62%-11.19%-5.42%-3.56%+78 bps
Loan Growth (YoY)47.01%39.46%24.13%8.79%12.21%30.40%24.61%9.92%+113 bps
Share Growth (YoY)1.77%2.09%-4.01%-5.41%-2.17%-13.08%-7.01%-3.17%+224 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.12%1.11%3.60%3.55%0.99%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.30%1.32%1.23%1.22%0.84%1.25%1.21%0.78%-44 bps
Capital
Risk-Based Capitaln/an/an/an/an/a14.83%14.82%14.89%n/a
Net Worth / Assetsn/an/an/an/an/a14.83%14.82%14.89%n/a
Liquidity & Funding
Loans / Shares35.29%34.84%39.08%40.36%40.48%52.26%52.37%45.81%+546 bps
Liquid Assets / Assets32.62%37.78%29.23%20.91%27.16%20.02%34.63%49.78%+2,888 bps