Irwin, PA · Charter 23841
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.
Irwin, PA · Charter 23841
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 | 1.10% | 0.94% | 0.84% | -0.04% | 0.26% | 0.40% | 0.36% | 0.28% | +32 bps | |
| Return on Equity | 10.71% | 9.58% | 8.35% | -0.47% | 2.90% | 4.38% | 4.06% | 3.02% | +348 bps | |
| Net Interest Margin | 3.55% | 3.01% | 2.88% | 1.87% | 2.01% | 2.14% | 2.04% | 2.26% | +39 bps | |
| Efficiency Ratio | 67.84% | 68.33% | 69.68% | 99.31% | 84.73% | 79.53% | 80.07% | 85.19% | -1,412 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.56% | 9.13% | 7.23% | 16.74% | 28.63% | 17.60% | 17.94% | -1.50% | -1,824 bps | |
| Loan Growth (YoY) | 4.92% | 17.19% | -1.12% | -10.65% | -25.94% | -36.04% | -22.96% | -19.19% | -854 bps | |
| Share Growth (YoY) | 15.94% | 7.61% | 5.81% | 17.38% | 31.33% | 19.31% | 19.71% | 1.34% | -1,604 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.22% | 0.13% | 0.63% | 3.64% | 0.13% | 3.61% | 3.87% | +323 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 | 0.84% | 0.77% | 0.98% | 1.16% | 1.36% | 1.02% | 1.05% | 1.16% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.29% | 9.81% | 10.11% | 8.59% | 8.93% | 9.06% | 8.91% | 9.42% | +83 bps | |
| Net Worth / Assets | 10.29% | 9.81% | 10.11% | 8.59% | 8.93% | 9.06% | 8.91% | 9.42% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.57% | 82.23% | 68.02% | 51.36% | 44.87% | 44.09% | 43.77% | 40.95% | -1,041 bps | |
| Liquid Assets / Assets | 28.00% | 25.22% | 38.27% | 52.23% | 37.47% | 58.61% | 55.25% | 0.00% | -5,223 bps | |