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Southwest Bank

Greensburg, PA · Cert 7979

FDIC

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southwest Bank

Greensburg, PA · Cert 7979

FDIC

Q3 2002

$1.0BAssets
$451.9MLoans
$616.2MDeposits
$98.0MEquity
Loan mix
60%RE $134.8M31%C&I $68.1M9%Consumer $20.2MQ3 2001Q3 2002
Deposit mix
80%Interest-bearing $492.4M20%Noninterest $123.7MQ3 2001Q3 2002

NIM

7.08%Q1 ’016.63%Q3 ’015.92%Q3 ’02-6%+13%

Non-interest income vs. expense

2.26%Q1 ’012.22%Q3 ’012.43%Q3 ’02+3%+16%

Executive Summary

  • Earnings: ROA of 1.18%, up 4 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 73.35% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.18%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+40 bps YoY

Efficiency Ratio (YTD, annualized)

58.04%-28 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.14%1.18%1.33%1.12%1.18%+4 bps
Return on Equityn/an/a15.17%12.55%12.95%n/a
Net Interest Margin3.17%3.23%3.56%3.56%3.57%+40 bps
Efficiency Ratio58.32%56.82%51.63%60.91%58.04%-28 bps
Non-Interest Burden1.59%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.45%0.46%0.69%0.50%0.54%+9 bps
Allowance / Loans1.68%1.67%1.60%1.63%1.50%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.90%17.12%18.14%18.31%16.51%-39 bps
Equity / Assets8.94%8.74%8.80%9.26%9.57%+63 bps
Liquidity & Funding
Loans / Deposits67.53%70.51%71.20%69.80%73.35%+582 bps
Liquid Assets / Assets8.44%8.90%8.38%7.56%6.85%-160 bps
CRE / Total Capitaln/an/an/an/an/an/an/a