Williamsport, PA · Cert 7813
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 1.85% | 1.84% | 1.84% | 1.69% | 1.77% | 1.80% | 1.81% | -4 bps | |
| Return on Equity | 17.97% | 17.54% | 17.26% | 17.31% | 16.14% | 17.41% | 17.94% | 18.15% | +83 bps | |
| Net Interest Margin | 4.40% | 4.19% | 4.16% | 4.22% | 4.30% | 4.28% | 4.31% | 4.33% | +11 bps | |
| Efficiency Ratio | 47.29% | 48.87% | 50.13% | 49.61% | 51.31% | 50.24% | 50.05% | 50.12% | +51 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.65% | 1.66% | 1.83% | 1.73% | 1.75% | 1.76% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.65% | 9.10% | 7.37% | 2.45% | 2.25% | -0.59% | 2.97% | 0.47% | -198 bps | |
| Loan Growth (YoY) | 9.68% | 6.31% | 13.12% | 6.21% | 7.51% | 9.65% | 7.14% | 4.98% | -123 bps | |
| Deposit Growth (YoY) | 1.22% | 0.14% | 0.39% | -0.06% | -1.88% | -0.80% | -2.30% | -1.48% | -141 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 | 0.21% | 0.16% | 0.14% | 0.13% | 0.06% | 0.08% | 0.08% | 0.06% | -7 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.04% | 1.06% | 1.10% | 1.11% | 1.10% | 1.19% | +13 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 | 16.05% | 15.97% | 15.54% | 15.11% | 14.29% | 13.53% | 13.07% | 13.53% | -158 bps | |
| Equity / Assets | 10.77% | 10.55% | 10.93% | 10.61% | 10.27% | 9.71% | 9.51% | 9.71% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.81% | 104.40% | 111.47% | 111.51% | 114.84% | 115.40% | 122.23% | 118.81% | +730 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |