Slippery Rock, PA · Cert 7972
FDIC
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.04% | 1.16% | 0.81% | 0.74% | 0.39% | -0.55% | -0.44% | -125 bps | |
| Return on Equity | 9.58% | 11.04% | 12.31% | 8.67% | 7.93% | 4.15% | -6.01% | -4.89% | -1,356 bps | |
| Net Interest Margin | 3.51% | 3.45% | 3.37% | 3.28% | 3.33% | 3.04% | 2.99% | 2.96% | -33 bps | |
| Efficiency Ratio | 66.34% | 65.60% | 63.84% | 67.26% | 68.46% | 83.99% | 84.29% | 91.31% | +2,405 bps | |
| Non-Interest Burden | 2.09% | 1.84% | 1.66% | 1.85% | 1.93% | 2.40% | 2.38% | 2.63% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.17% | 3.35% | 2.93% | -0.93% | -0.75% | -1.10% | -3.84% | -3.63% | -269 bps | |
| Loan Growth (YoY) | -4.39% | -8.83% | -7.35% | -3.91% | -10.44% | -9.94% | -9.14% | -16.33% | -1,242 bps | |
| Deposit Growth (YoY) | 3.60% | 1.36% | 1.20% | -3.25% | -1.57% | -1.16% | -3.55% | -4.59% | -134 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 | 0.24% | 0.62% | 0.39% | 0.44% | 0.73% | 0.24% | 0.20% | 0.89% | +45 bps | |
| Allowance / Loans | 1.33% | 1.31% | 1.36% | 1.52% | 1.48% | 1.56% | 2.76% | 2.42% | +90 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 | 14.82% | 15.35% | 15.15% | 14.72% | 15.32% | 15.69% | 15.06% | 15.43% | +71 bps | |
| Equity / Assets | 9.41% | 9.49% | 9.43% | 9.10% | 9.32% | 9.39% | 8.67% | 8.63% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.04% | 83.16% | 80.24% | 82.36% | 78.29% | 75.78% | 75.59% | 72.22% | -1,014 bps | |
| Liquid Assets / Assets | 0.82% | 0.80% | 0.16% | 0.16% | 0.18% | 0.17% | 0.10% | 0.10% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |