Concordville, PA · Charter 12190
Q2 2003
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 | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.59% | 0.61% | 0.47% | 0.39% | 0.39% | 0.15% | 0.06% | -41 bps | |
| Return on Equity | 2.84% | 6.27% | 6.89% | 5.52% | 4.77% | 4.87% | 1.96% | 0.79% | -473 bps | |
| Net Interest Margin | 0.64% | 0.85% | 0.80% | 0.74% | 0.74% | 0.73% | 0.45% | 0.41% | -33 bps | |
| Efficiency Ratio | 39.76% | 26.28% | 22.81% | 22.71% | 22.60% | 24.61% | 36.00% | 47.75% | +2,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.32% | 31.45% | 42.01% | 52.72% | 45.36% | 24.55% | 22.99% | 18.32% | -3,440 bps | |
| Loan Growth (YoY) | 24.70% | 24.49% | 13.14% | 9.36% | 5.59% | 1.18% | -3.52% | -5.22% | -1,457 bps | |
| Share Growth (YoY) | 13.22% | 34.21% | 46.42% | 59.08% | 50.66% | 26.53% | 25.16% | 19.98% | -3,909 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.28% | 0.25% | 0.13% | 0.53% | 0.47% | 0.50% | 0.52% | +39 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 | 0.64% | 0.61% | 0.56% | 0.45% | 0.51% | 0.45% | 0.49% | 0.53% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.84% | 9.42% | 8.91% | 8.43% | 8.13% | 7.95% | 7.52% | 7.31% | -112 bps | |
| Net Worth / Assets | 10.84% | 9.42% | 8.91% | 8.43% | 8.13% | 7.95% | 7.52% | 7.31% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.09% | 31.85% | 29.57% | 28.18% | 27.40% | 25.47% | 22.79% | 22.26% | -592 bps | |
| Liquid Assets / Assets | 43.41% | 36.25% | 33.18% | 38.35% | 36.81% | 49.67% | 39.32% | 39.65% | +130 bps | |