Erie, PA · Charter 11303
Q2 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -0.53% | -0.12% | -0.12% | -1.81% | -0.31% | -3.43% | -2.51% | -239 bps | |
| Return on Equity | -3.00% | -2.62% | -0.60% | -0.53% | -7.54% | -1.23% | -13.64% | -10.36% | -983 bps | |
| Net Interest Margin | 4.85% | 4.93% | 4.87% | 5.39% | 6.05% | 6.20% | 8.49% | 6.71% | +132 bps | |
| Efficiency Ratio | 112.51% | 110.77% | 102.50% | 102.16% | 100.98% | 105.00% | 76.09% | 97.57% | -458 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.13% | 2.85% | 0.84% | -8.73% | -20.55% | -24.60% | -26.67% | -19.48% | -1,075 bps | |
| Loan Growth (YoY) | 5.65% | 22.07% | 11.96% | -0.80% | -4.53% | -14.71% | -19.13% | -18.71% | -1,792 bps | |
| Share Growth (YoY) | 7.01% | 4.01% | 1.65% | -10.45% | -24.31% | -29.26% | -31.18% | -22.04% | -1,159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.10% | 6.84% | 5.66% | 5.55% | 9.44% | 19.45% | 11.83% | 2.78% | -277 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 | 0.75% | 0.71% | 0.72% | 0.74% | 2.32% | 2.45% | 2.06% | 2.10% | +137 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.23% | 20.26% | 20.36% | 21.82% | 24.02% | 25.17% | 25.18% | 24.20% | +238 bps | |
| Net Worth / Assets | 20.23% | 20.26% | 20.36% | 21.82% | 24.02% | 25.17% | 25.18% | 24.20% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.73% | 95.60% | 94.62% | 100.82% | 113.17% | 115.26% | 111.18% | 105.12% | +430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |