Boyertown, PA · Charter 16153
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 | -5.83% | -2.35% | 1.09% | 0.59% | 2.92% | 2.79% | 0.27% | 3.31% | +271 bps | |
| Return on Equity | n/a | -15.69% | 7.37% | 4.14% | 19.08% | 18.08% | 1.82% | 17.85% | +1,371 bps | |
| Net Interest Margin | 3.36% | 4.04% | 4.16% | 3.82% | 3.90% | 4.50% | 3.10% | 6.06% | +224 bps | |
| Efficiency Ratio | 118.14% | 75.56% | 73.79% | 84.54% | 67.07% | 62.84% | 91.26% | 45.45% | -3,909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.29% | -32.72% | -21.24% | -23.59% | -0.44% | 3.80% | -4.13% | -17.77% | +582 bps | |
| Loan Growth (YoY) | -25.08% | -42.26% | -37.82% | -32.88% | -31.04% | -22.72% | -15.15% | -20.95% | +1,193 bps | |
| Share Growth (YoY) | -25.09% | -33.61% | -21.43% | -24.33% | -1.81% | 4.82% | -4.83% | -21.04% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.60% | 4.77% | 5.03% | 4.55% | 2.98% | 2.97% | 2.58% | 5.16% | +61 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 | 8.66% | 1.59% | 1.65% | 3.18% | 1.20% | 5.24% | 4.91% | 5.41% | +223 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 14.95% | 14.79% | 14.28% | 15.33% | 15.42% | 14.87% | 18.52% | +424 bps | |
| Net Worth / Assets | n/a | 14.95% | 14.79% | 14.28% | 15.33% | 15.42% | 14.87% | 18.52% | +424 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.61% | 73.71% | 67.93% | 66.93% | 59.43% | 54.34% | 60.56% | 67.01% | +8 bps | |
| Liquid Assets / Assets | 19.49% | 37.15% | 41.54% | 43.51% | 49.33% | 55.60% | 50.42% | 47.35% | +384 bps | |