Greensburg, PA · Cert 7979
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Greensburg, PA · Cert 7979
FDIC
Q3 2002
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.18% | 1.33% | 1.12% | 1.18% | +4 bps | |
| Return on Equity | n/a | n/a | 15.17% | 12.55% | 12.95% | n/a | |
| Net Interest Margin | 3.17% | 3.23% | 3.56% | 3.56% | 3.57% | +40 bps | |
| Efficiency Ratio | 58.32% | 56.82% | 51.63% | 60.91% | 58.04% | -28 bps | |
| Non-Interest Burden | 1.59% | 1.56% | 1.59% | 1.96% | 1.84% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.17% | 1.09% | -1.42% | 1.09% | -2.81% | -898 bps | |
| Loan Growth (YoY) | 2.86% | 4.20% | 5.75% | 2.31% | 1.39% | -147 bps | |
| Deposit Growth (YoY) | 5.46% | -2.10% | -6.37% | -5.23% | -6.66% | -1,212 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.46% | 0.69% | 0.50% | 0.54% | +9 bps | |
| Allowance / Loans | 1.68% | 1.67% | 1.60% | 1.63% | 1.50% | -18 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 | 16.90% | 17.12% | 18.14% | 18.31% | 16.51% | -39 bps | |
| Equity / Assets | 8.94% | 8.74% | 8.80% | 9.26% | 9.57% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.53% | 70.51% | 71.20% | 69.80% | 73.35% | +582 bps | |
| Liquid Assets / Assets | 8.44% | 8.90% | 8.38% | 7.56% | 6.85% | -160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |