Greencastle, PA · Cert 7796
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.20% | 1.03% | 0.98% | 1.24% | 1.34% | 1.20% | 1.34% | +36 bps | |
| Return on Equity | 13.63% | 15.81% | 13.67% | 13.64% | 18.23% | 19.09% | 16.46% | 18.94% | +529 bps | |
| Net Interest Margin | 3.71% | 3.57% | 3.62% | 3.42% | 3.36% | 3.51% | 3.54% | 3.50% | +8 bps | |
| Efficiency Ratio | 61.98% | 62.77% | 61.93% | 64.22% | 56.63% | 58.40% | 60.64% | 56.24% | -798 bps | |
| Non-Interest Burden | 2.04% | 1.91% | 1.95% | 1.98% | 1.45% | 1.74% | 1.82% | 1.59% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.57% | -2.04% | -2.13% | 9.31% | 9.06% | 6.93% | -0.54% | -5.75% | -1,506 bps | |
| Loan Growth (YoY) | 9.65% | 12.37% | 7.01% | 8.57% | 7.92% | 1.11% | -2.14% | -13.85% | -2,242 bps | |
| Deposit Growth (YoY) | 6.64% | -0.67% | 4.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.53% | -0.01% | 0.00% | 0.08% | 0.03% | 0.06% | 0.16% | 0.19% | +10 bps | |
| Allowance / Loans | 1.20% | 1.25% | 1.34% | 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 | 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 | 12.49% | 12.31% | 12.23% | 11.79% | 11.54% | 11.94% | 12.11% | 12.60% | +81 bps | |
| Equity / Assets | 7.50% | 7.69% | 7.40% | 6.93% | 6.70% | 7.31% | 7.32% | 6.84% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.00% | 97.37% | 92.03% | 88.87% | 91.33% | 86.26% | 81.74% | 69.23% | -1,964 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 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 | n/a | n/a | n/a |