Erie, PA · Charter 17039
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.61% | 0.45% | 0.44% | -1.23% | -0.75% | -1.02% | -0.35% | -79 bps | |
| Return on Equity | 1.84% | 1.60% | 1.23% | 1.18% | -3.39% | -2.14% | -2.97% | -1.01% | -219 bps | |
| Net Interest Margin | 3.76% | 3.59% | 3.36% | 3.27% | 2.54% | 2.37% | 2.26% | 2.18% | -109 bps | |
| Efficiency Ratio | 81.44% | 83.18% | 86.65% | 90.19% | 112.47% | 113.04% | 132.16% | 93.39% | +319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.19% | 3.31% | 2.87% | 5.12% | 5.65% | 7.37% | 7.72% | 7.45% | +234 bps | |
| Loan Growth (YoY) | -10.91% | -5.99% | -13.73% | -19.74% | -26.20% | -13.32% | -18.24% | -20.74% | -100 bps | |
| Share Growth (YoY) | -7.44% | 3.58% | 3.32% | 7.60% | 9.22% | 12.34% | 12.75% | 12.51% | +491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.89% | 0.97% | 1.00% | 0.82% | 0.43% | 0.40% | 0.44% | 0.49% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.29% | 38.17% | 37.13% | 37.37% | 36.20% | 35.31% | 34.20% | 34.43% | -294 bps | |
| Net Worth / Assets | 38.29% | 38.17% | 37.13% | 37.37% | 36.20% | 35.31% | 34.20% | 34.43% | -294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.63% | 84.72% | 78.45% | 73.35% | 62.59% | 65.37% | 56.88% | 51.68% | -2,167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |