Erie, PA · Charter 10342
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.09% | 3.10% | 3.34% | 2.36% | -0.44% | 0.74% | 0.97% | 0.12% | -224 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 6.79% | 0.88% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.64% | 5.10% | 6.03% | 4.94% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 89.42% | 83.44% | 82.30% | 91.50% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.36% | 5.67% | 15.58% | 22.33% | 19.27% | -3.79% | -16.59% | -24.56% | -4,689 bps | |
| Loan Growth (YoY) | -14.54% | -10.59% | 0.61% | -8.67% | 4.88% | 13.89% | -0.19% | 6.12% | +1,479 bps | |
| Share Growth (YoY) | 0.97% | 3.49% | 15.20% | 23.48% | 21.70% | -4.66% | -19.03% | -27.77% | -5,125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.97% | 1.28% | 2.26% | 0.51% | 3.95% | 3.57% | 1.33% | 0.51% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 0.00% | 0.32% | 0.00% | 1.10% | 1.45% | 1.40% | 1.20% | +120 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.32% | 13.76% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.32% | 13.76% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.78% | 66.23% | 68.76% | 53.35% | 72.20% | 79.11% | 84.76% | 78.39% | +2,504 bps | |
| Liquid Assets / Assets | 25.94% | 35.79% | 37.33% | 48.84% | 0.00% | 0.00% | 123.49% | 30.58% | -1,826 bps | |