Williamsport, PA · Charter 15856
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.02% | 1.60% | 0.75% | -0.30% | 0.00% | 2.02% | -0.30% | -47.33% | -4,703 bps | |
| Return on Equity | n/a | 4.05% | 2.24% | -0.80% | -0.01% | 5.99% | -0.83% | -217% | -21,638 bps | |
| Net Interest Margin | 5.34% | 5.54% | 3.47% | 3.93% | 3.34% | 5.24% | 3.24% | -45.44% | -4,937 bps | |
| Efficiency Ratio | 62.59% | 63.66% | 78.48% | 87.88% | 73.85% | 50.36% | 83.67% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.31% | -5.70% | 6.51% | 4.04% | 10.70% | 16.38% | -9.14% | 9.27% | +523 bps | |
| Loan Growth (YoY) | 21.42% | -8.37% | -25.94% | -10.33% | -25.08% | -20.53% | -36.65% | -56.84% | -4,651 bps | |
| Share Growth (YoY) | -13.55% | -15.73% | 3.62% | 4.14% | 14.32% | 27.78% | -10.63% | 18.38% | +1,423 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.63% | 16.07% | 13.23% | 9.24% | 6.39% | 5.84% | 4.58% | 6.13% | -310 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 | 1.41% | 2.21% | 2.35% | 0.80% | 1.82% | 1.98% | 3.56% | 4.66% | +385 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 39.54% | 33.43% | 37.05% | 33.54% | 33.70% | 35.79% | 21.79% | -1,525 bps | |
| Net Worth / Assets | n/a | 39.54% | 33.43% | 37.05% | 33.54% | 33.70% | 35.79% | 21.79% | -1,525 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 123.80% | 120.98% | 85.92% | 115.74% | 81.12% | 75.25% | 60.90% | 42.20% | -7,355 bps | |
| Liquid Assets / Assets | 6.56% | 21.84% | 43.80% | 28.50% | 47.39% | 13.88% | 60.47% | 71.45% | +4,296 bps | |