Primos, PA · Charter 20178
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Primos, PA · Charter 20178
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -9.28% | -4.37% | 0.03% | 0.17% | 0.21% | -0.81% | -0.27% | -30 bps | |
| Return on Equity | -0.31% | -48.53% | -21.57% | 0.18% | 0.85% | 1.03% | -4.01% | -1.34% | -152 bps | |
| Net Interest Margin | 6.07% | 5.81% | 5.20% | 3.34% | 3.50% | 3.57% | 3.64% | 1.91% | -143 bps | |
| Efficiency Ratio | 56.57% | 114.73% | 100.27% | 98.99% | 95.15% | 94.11% | 121.94% | 113.75% | +1,476 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.71% | -25.39% | -30.25% | -10.00% | -3.19% | -2.69% | -0.10% | -6.79% | +321 bps | |
| Loan Growth (YoY) | 7.35% | -10.15% | -19.00% | -43.32% | -42.32% | -22.57% | -20.91% | -1.92% | +4,139 bps | |
| Share Growth (YoY) | -31.99% | -27.20% | -32.91% | -6.46% | 1.08% | -3.23% | 1.32% | -7.23% | -77 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.92% | 4.88% | 0.04% | 0.86% | 0.00% | 0.76% | 1.85% | 1.86% | +100 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 | 2.29% | 2.27% | 3.14% | 4.45% | 4.67% | 4.47% | 5.04% | 0.00% | -445 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.55% | 19.13% | 20.27% | 18.49% | 20.13% | 20.30% | 20.29% | 19.90% | +140 bps | |
| Net Worth / Assets | 23.55% | 19.13% | 20.27% | 18.49% | 20.13% | 20.30% | 20.29% | 19.90% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.84% | 78.44% | 73.57% | 52.58% | 58.69% | 62.76% | 57.43% | 55.58% | +301 bps | |
| Liquid Assets / Assets | 20.37% | 35.41% | 41.16% | 58.03% | 53.32% | 49.87% | 54.10% | 53.09% | -494 bps | |