Erie, PA · Charter 18529
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.90% | 1.76% | 1.97% | 1.83% | 1.79% | 2.48% | 1.14% | 0.77% | -106 bps | |
| Return on Equity | n/a | n/a | n/a | 8.31% | 8.31% | 10.02% | 5.76% | 3.69% | -461 bps | |
| Net Interest Margin | n/a | 7.41% | 7.35% | 8.38% | 7.37% | 9.47% | 5.49% | 5.48% | -290 bps | |
| Efficiency Ratio | n/a | 73.20% | 57.50% | 61.35% | 66.82% | 58.77% | 79.32% | 86.49% | +2,514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.56% | -3.67% | 13.27% | -1.32% | -9.19% | -12.97% | -5.75% | 8.50% | +982 bps | |
| Loan Growth (YoY) | 22.12% | 5.34% | 0.89% | -0.22% | -10.24% | -9.94% | -13.85% | -7.27% | -705 bps | |
| Share Growth (YoY) | -0.92% | -8.58% | 12.85% | -4.30% | -12.65% | -16.58% | -6.81% | 11.31% | +1,561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.28% | 4.21% | 0.00% | 0.36% | 1.75% | 6.74% | 8.82% | 4.48% | +412 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 | 5.46% | 6.03% | 1.49% | 2.86% | 3.78% | 5.96% | 5.93% | 5.66% | +280 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 22.02% | 21.49% | 24.70% | 19.69% | 20.87% | -115 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 22.02% | 21.49% | 24.70% | 19.69% | 20.87% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.50% | 65.16% | 55.13% | 68.96% | 59.09% | 70.35% | 50.97% | 57.45% | -1,151 bps | |
| Liquid Assets / Assets | 41.91% | 44.88% | 0.72% | 45.05% | 52.55% | 48.38% | 59.25% | 56.04% | +1,099 bps | |