Erie, PA · Charter 1358
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 1.71% | -1.04% | 3.57% | 2.20% | -2.02% | -0.21% | -11.51% | -1,508 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -26.15% | -24.81% | -24.18% | -28.29% | -36.70% | -46.31% | -28.18% | -400 bps | |
| Loan Growth (YoY) | n/a | -26.37% | -28.12% | -28.06% | -33.31% | -32.15% | -43.02% | -53.13% | -2,507 bps | |
| Share Growth (YoY) | n/a | -25.69% | -36.75% | -25.67% | -36.28% | -35.81% | -38.31% | -20.18% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.19% | 12.98% | 5.30% | 7.69% | 10.96% | 14.39% | 12.32% | 23.90% | +1,621 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 | 1.51% | 1.82% | 3.11% | 2.95% | 2.01% | 4.03% | 2.92% | 13.57% | +1,063 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.53% | 97.90% | 115.11% | 100.01% | 103.13% | 103.48% | 106.32% | 58.72% | -4,129 bps | |
| Liquid Assets / Assets | 1.55% | 1.75% | 1.90% | 0.82% | 2.40% | 3.09% | 4.25% | 3.50% | +268 bps | |