Williamsport, PA · Charter 12468
Q1 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.35% | 0.90% | 0.60% | -0.48% | -0.52% | -0.17% | 0.65% | +5 bps | |
| Return on Equity | n/a | 4.87% | 12.48% | 8.31% | -7.23% | -8.37% | -2.58% | 9.85% | +153 bps | |
| Net Interest Margin | 5.59% | 5.83% | 5.03% | 4.99% | 5.16% | 5.12% | 5.36% | 5.41% | +42 bps | |
| Efficiency Ratio | 87.75% | 86.32% | 82.12% | 86.08% | 85.01% | 86.13% | 84.74% | 85.24% | -84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.64% | 5.79% | -3.02% | 3.63% | 12.23% | 17.97% | 9.22% | 10.97% | +734 bps | |
| Loan Growth (YoY) | 13.77% | 1.17% | -17.82% | -4.44% | -4.07% | -5.97% | 2.77% | -3.90% | +54 bps | |
| Share Growth (YoY) | 9.52% | 4.47% | -0.60% | 9.15% | 13.13% | 19.01% | 9.69% | 11.48% | +232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 2.45% | 2.77% | 2.90% | 1.69% | 1.23% | 1.18% | 1.31% | -159 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 | 1.78% | 1.33% | 1.42% | 1.65% | 1.30% | 1.02% | 1.19% | 1.37% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 7.17% | 7.23% | 7.19% | 6.58% | 6.24% | 6.71% | 6.59% | -61 bps | |
| Net Worth / Assets | n/a | 7.17% | 7.23% | 7.19% | 6.58% | 6.24% | 6.71% | 6.59% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.69% | 93.93% | 85.29% | 85.70% | 78.59% | 74.22% | 79.90% | 73.88% | -1,182 bps | |
| Liquid Assets / Assets | 1.86% | 10.01% | 13.49% | 13.45% | 18.85% | 23.36% | 18.26% | 24.64% | +1,119 bps | |