Greencastle, PA · Cert 7796
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.
Greencastle, PA · Cert 7796
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.12% | 1.20% | 1.20% | 1.34% | +36 bps | |
| Return on Equity | 13.64% | 16.02% | 16.89% | 16.83% | 18.94% | +529 bps | |
| Net Interest Margin | 3.42% | 3.33% | 3.44% | 3.53% | 3.50% | +8 bps | |
| Efficiency Ratio | 64.22% | 60.19% | 59.59% | 59.85% | 56.24% | -798 bps | |
| Non-Interest Burden | 1.98% | 1.68% | 1.73% | 1.78% | 1.59% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.31% | 9.06% | 6.93% | -0.54% | -5.75% | -1,506 bps | |
| Loan Growth (YoY) | 8.57% | 7.92% | 1.11% | -2.14% | -13.85% | -2,242 bps | |
| Deposit Growth (YoY) | 11.98% | 9.90% | 14.14% | 10.17% | 10.60% | -138 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.06% | 0.09% | 0.19% | +10 bps | |
| Allowance / Loans | 1.33% | 1.37% | 1.35% | 1.39% | 1.56% | +23 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 | 11.79% | 11.54% | 11.94% | 12.11% | 12.60% | +81 bps | |
| Equity / Assets | 6.93% | 6.70% | 7.31% | 7.32% | 6.84% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.87% | 91.33% | 86.26% | 81.74% | 69.23% | -1,964 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |