Oil City, PA · Charter 13128
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.11% | 0.02% | -0.04% | -0.58% | -2.12% | -1.30% | 0.04% | +9 bps | |
| Return on Equity | -2.35% | -0.61% | 0.11% | -0.25% | -3.32% | -11.79% | -7.77% | 0.25% | +50 bps | |
| Net Interest Margin | 5.17% | 5.12% | 4.92% | 4.53% | 5.31% | 5.30% | 4.85% | 4.52% | -1 bps | |
| Efficiency Ratio | 103.03% | 97.41% | 95.71% | 96.78% | 93.23% | 122.46% | 115.75% | 109.06% | +1,228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.91% | -13.53% | -8.65% | -5.28% | 3.80% | -2.49% | 4.65% | 3.77% | +905 bps | |
| Loan Growth (YoY) | -17.07% | -26.93% | -16.70% | 1.59% | 15.65% | 44.18% | 41.44% | 18.29% | +1,670 bps | |
| Share Growth (YoY) | -22.06% | -13.70% | -9.84% | -9.49% | -5.56% | -3.97% | 6.66% | 5.50% | +1,498 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.78% | 5.10% | 7.58% | 2.66% | 4.60% | 1.55% | 4.01% | 5.40% | +275 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 | 3.02% | 3.48% | 2.93% | 0.67% | 2.00% | 1.82% | 1.59% | 0.92% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.81% | 18.61% | 18.83% | 18.18% | 17.54% | 17.99% | 16.76% | 17.02% | -116 bps | |
| Net Worth / Assets | 18.81% | 18.61% | 18.83% | 18.18% | 17.54% | 17.99% | 16.76% | 17.02% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.81% | 59.59% | 65.46% | 78.64% | 89.17% | 89.47% | 86.80% | 88.18% | +953 bps | |
| Liquid Assets / Assets | 40.02% | 49.34% | 45.69% | 32.50% | 28.73% | 19.72% | 21.23% | 16.89% | -1,561 bps | |