Erie, PA · Charter 12380
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.15% | 2.41% | 1.41% | 0.05% | 0.29% | 0.17% | 0.43% | -0.28% | -33 bps | |
| Return on Equity | -9.06% | 18.33% | 10.32% | 0.36% | 2.05% | 1.17% | 3.00% | -1.99% | -235 bps | |
| Net Interest Margin | 6.20% | 5.89% | 5.68% | 5.12% | 5.61% | 5.06% | 5.74% | 4.61% | -51 bps | |
| Efficiency Ratio | 80.40% | 58.33% | 74.75% | 99.06% | 94.91% | 110.41% | 92.54% | 105.97% | +691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | 1.53% | 2.12% | 1.78% | 4.82% | -7.85% | -3.35% | -2.90% | -468 bps | |
| Loan Growth (YoY) | 2.08% | -11.15% | -5.31% | -20.65% | -16.54% | -10.12% | -18.53% | -7.71% | +1,294 bps | |
| Share Growth (YoY) | 3.63% | 1.62% | 2.23% | 1.79% | 4.14% | -9.23% | -3.04% | -3.43% | -523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.84% | 1.67% | 0.51% | 0.00% | 0.34% | 3.98% | 3.98% | 0.10% | +10 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 | 1.76% | 2.38% | 2.28% | 1.97% | 1.96% | 0.81% | 0.87% | 0.51% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.67% | 13.14% | 13.65% | 13.52% | 13.99% | 14.62% | 14.40% | 13.93% | +40 bps | |
| Net Worth / Assets | 12.67% | 13.14% | 13.65% | 13.52% | 13.99% | 14.62% | 14.40% | 13.93% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.91% | 66.83% | 71.24% | 63.86% | 65.64% | 66.18% | 59.86% | 61.03% | -283 bps | |
| Liquid Assets / Assets | 27.75% | 41.62% | 38.13% | 43.58% | 42.00% | 41.86% | 46.58% | 45.74% | +215 bps | |