Halifax, PA · Charter 15525
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | 0.71% | 0.97% | 0.52% | -0.08% | -1.55% | -1.74% | -1.80% | -232 bps | |
| Return on Equity | n/a | n/a | 5.40% | 2.80% | -0.45% | -9.35% | -10.58% | -10.59% | -1,339 bps | |
| Net Interest Margin | 4.76% | 5.15% | 5.29% | 4.66% | 3.96% | 2.29% | 2.20% | 2.32% | -234 bps | |
| Efficiency Ratio | 95.29% | 81.75% | 77.38% | 83.99% | 96.23% | 154.89% | 175.95% | 174.74% | +9,075 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.41% | -11.43% | -11.61% | -12.52% | -4.60% | 3.23% | 0.60% | -2.15% | +1,038 bps | |
| Loan Growth (YoY) | -24.74% | -28.89% | -30.93% | -32.78% | -39.25% | -35.94% | -38.51% | -41.95% | -917 bps | |
| Share Growth (YoY) | -12.53% | -13.05% | -12.32% | -15.04% | -6.64% | 3.94% | 2.58% | -0.03% | +1,501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.64% | 10.12% | 10.20% | 7.13% | 5.36% | 9.34% | 5.99% | 4.82% | -231 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 | 6.20% | 4.67% | 5.39% | 6.14% | 7.79% | 10.22% | 8.43% | 9.63% | +350 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 17.98% | 18.73% | 18.16% | 16.60% | 16.48% | 16.99% | -174 bps | |
| Net Worth / Assets | n/a | n/a | 17.98% | 18.73% | 18.16% | 16.60% | 16.48% | 16.99% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.93% | 50.73% | 47.40% | 45.51% | 37.04% | 31.26% | 28.41% | 26.42% | -1,908 bps | |
| Liquid Assets / Assets | 39.81% | 50.81% | 61.05% | 63.05% | 69.91% | 74.71% | 76.48% | 78.15% | +1,510 bps | |