Ridgway, PA · Charter 22103
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.85% | 3.12% | 0.67% | 0.58% | -1.11% | -8.31% | -4.16% | 0.42% | -17 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -5.57% | -60.98% | -27.28% | 1.68% | n/a | |
| Net Interest Margin | n/a | n/a | 7.35% | 6.88% | 7.86% | 6.75% | 7.53% | 10.48% | +360 bps | |
| Efficiency Ratio | n/a | n/a | 86.06% | 91.74% | 91.90% | 95.14% | 86.58% | 96.05% | +431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | -4.86% | -11.03% | -2.33% | -8.90% | -6.97% | -3.16% | -46.60% | -4,427 bps | |
| Loan Growth (YoY) | 29.55% | 27.78% | 20.91% | 0.27% | -2.66% | -17.64% | -2.86% | -32.69% | -3,296 bps | |
| Share Growth (YoY) | 2.17% | -7.01% | -13.61% | -3.63% | -10.51% | -2.89% | 2.29% | -50.53% | -4,689 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.82% | 8.80% | 11.13% | 12.66% | 14.72% | 6.82% | 4.05% | 8.29% | -438 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 | 3.76% | 4.08% | 3.66% | 4.02% | 5.07% | 0.38% | 1.30% | 2.87% | -115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 19.91% | 13.62% | 15.25% | 24.73% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 19.91% | 13.62% | 15.25% | 24.73% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.38% | 86.39% | 98.24% | 83.11% | 112.45% | 73.27% | 93.29% | 113.06% | +2,995 bps | |
| Liquid Assets / Assets | 6.09% | 22.62% | 0.00% | 0.00% | 12.57% | 35.72% | 20.54% | 15.15% | +1,515 bps | |