Lansford, PA · Cert 7558
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.43% | 1.45% | 1.45% | 1.60% | 1.88% | 1.79% | 1.65% | +20 bps | |
| Return on Equity | 15.72% | 18.04% | 18.51% | 18.81% | 21.19% | 24.34% | 23.18% | 21.21% | +241 bps | |
| Net Interest Margin | 3.68% | 3.57% | 3.38% | 3.30% | 3.33% | 3.35% | 3.27% | 3.26% | -4 bps | |
| Efficiency Ratio | 65.52% | 61.00% | 59.71% | 59.12% | 57.00% | 57.53% | 57.30% | 58.84% | -27 bps | |
| Non-Interest Burden | 2.23% | 1.96% | 1.79% | 1.71% | 1.60% | 1.64% | 1.58% | 1.64% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.10% | 9.19% | 12.37% | 10.30% | 6.02% | 1.27% | 1.27% | -3.90% | -1,420 bps | |
| Loan Growth (YoY) | 4.70% | 9.39% | 5.31% | 5.48% | 5.81% | -1.04% | -3.96% | -4.19% | -967 bps | |
| Deposit Growth (YoY) | 5.58% | 8.54% | 10.38% | 9.40% | 7.78% | -2.59% | -4.13% | -6.03% | -1,543 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 | 0.40% | 0.11% | 0.11% | 0.09% | 0.34% | 0.30% | 0.24% | 0.23% | +14 bps | |
| Allowance / Loans | 1.67% | 1.66% | 1.66% | 1.68% | 1.59% | 1.60% | 1.61% | 1.56% | -11 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 | 14.09% | 12.11% | 12.20% | 12.01% | 12.29% | 12.69% | 12.85% | 13.07% | +106 bps | |
| Equity / Assets | 8.32% | 7.09% | 7.53% | 7.22% | 7.85% | 8.11% | 7.65% | 8.00% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.82% | 63.50% | 63.09% | 62.99% | 64.62% | 64.51% | 63.20% | 64.22% | +123 bps | |
| Liquid Assets / Assets | 1.21% | 1.14% | 1.13% | 0.99% | 1.02% | 1.01% | 0.93% | 0.96% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |