Greensburg, PA · Cert 7979
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.26% | 1.18% | 0.99% | 1.29% | 1.33% | 0.92% | 1.29% | +30 bps | |
| Return on Equity | n/a | n/a | 13.83% | 11.35% | 14.63% | 15.17% | 10.14% | 13.72% | +237 bps | |
| Net Interest Margin | n/a | 3.37% | 3.19% | 3.11% | 3.44% | 3.56% | 3.54% | 3.50% | +39 bps | |
| Efficiency Ratio | n/a | 55.36% | 59.30% | 60.54% | 52.73% | 51.63% | 70.15% | 52.16% | -838 bps | |
| Non-Interest Burden | n/a | 1.55% | 1.65% | 1.65% | 1.48% | 1.59% | 2.32% | 1.56% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | 2.02% | -0.58% | 6.17% | 1.09% | -1.42% | 1.09% | -2.81% | -898 bps | |
| Loan Growth (YoY) | -1.04% | -4.69% | -2.42% | 2.86% | 4.20% | 5.75% | 2.31% | 1.39% | -147 bps | |
| Deposit Growth (YoY) | 1.32% | 4.11% | 2.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 0.39% | 0.46% | 0.56% | 0.47% | 0.69% | 0.31% | 0.66% | +10 bps | |
| Allowance / Loans | n/a | 1.87% | 1.81% | 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 | 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 | n/a | 17.76% | 17.55% | 16.90% | 17.12% | 18.14% | 18.31% | 16.51% | -39 bps | |
| Equity / Assets | n/a | 8.44% | 8.56% | 8.94% | 8.74% | 8.80% | 9.26% | 9.57% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.25% | 63.04% | 64.65% | 67.53% | 70.51% | 71.20% | 69.80% | 73.35% | +582 bps | |
| Liquid Assets / Assets | 0.00% | 8.64% | 8.19% | 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 | n/a | n/a | n/a |