Everett, PA · Cert 7495
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Everett, PA · Cert 7495
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.08% | 1.11% | 1.05% | 0.93% | 1.10% | 1.26% | 1.59% | +53 bps | |
| Return on Equity | 11.26% | 12.21% | 12.67% | 12.22% | 10.76% | 12.76% | 14.55% | 17.81% | +559 bps | |
| Net Interest Margin | 3.54% | 3.46% | 3.40% | 3.38% | 3.33% | 3.35% | 3.42% | 3.60% | +22 bps | |
| Efficiency Ratio | 64.73% | 65.06% | 63.90% | 63.50% | 66.74% | 62.72% | 59.16% | 52.33% | -1,117 bps | |
| Non-Interest Burden | 2.04% | 2.00% | 1.90% | 1.84% | 1.97% | 1.79% | 1.69% | 1.41% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | 4.74% | 0.17% | 3.17% | 1.15% | 4.19% | 5.96% | 4.39% | +122 bps | |
| Loan Growth (YoY) | 14.27% | 17.33% | 12.37% | 11.58% | 10.24% | 11.52% | 11.63% | 2.25% | -934 bps | |
| Deposit Growth (YoY) | 13.47% | 8.54% | 9.31% | 4.64% | 4.26% | 6.01% | 12.73% | 14.88% | +1,024 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 | 0.01% | 0.02% | 0.02% | 0.04% | 0.02% | 0.02% | 0.03% | 0.01% | -3 bps | |
| Allowance / Loans | 0.82% | 0.80% | 0.81% | 0.81% | 0.83% | 0.80% | 0.80% | 0.88% | +7 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 | 12.54% | 12.39% | 11.77% | 11.75% | 11.84% | 11.17% | 11.39% | 12.62% | +87 bps | |
| Equity / Assets | 8.61% | 8.61% | 8.41% | 8.82% | 8.73% | 8.67% | 8.65% | 9.16% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.50% | 94.63% | 94.66% | 97.47% | 96.75% | 99.54% | 93.75% | 86.75% | -1,072 bps | |
| Liquid Assets / Assets | 0.08% | 0.11% | 0.06% | 0.06% | 0.06% | 0.07% | 0.06% | 0.07% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |