Nanticoke, PA · Charter 23849
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | 1.55% | 2.31% | 1.65% | 3.33% | 1.59% | 2.10% | 1.52% | -13 bps | |
| Return on Equity | -3.09% | 9.41% | 13.46% | 9.91% | 19.39% | 9.26% | 11.19% | 8.33% | -159 bps | |
| Net Interest Margin | 3.73% | 3.19% | 3.52% | 2.70% | 4.36% | 2.47% | 3.13% | 2.63% | -7 bps | |
| Efficiency Ratio | 18.98% | 25.23% | 18.84% | 24.28% | 23.56% | 35.77% | 23.91% | 24.36% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -4.63% | 3.66% | 10.54% | 9.62% | 6.39% | -0.62% | -0.64% | -1,118 bps | |
| Loan Growth (YoY) | -11.60% | -17.03% | -8.78% | -8.42% | -8.14% | -1.62% | -11.50% | -11.33% | -290 bps | |
| Share Growth (YoY) | -0.54% | -2.02% | 2.85% | 9.48% | 8.27% | 5.51% | -2.59% | -2.57% | -1,205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.19% | 2.79% | 12.49% | 6.83% | 7.28% | 10.01% | 4.54% | 4.06% | -278 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 | 8.25% | 9.30% | 9.68% | 9.80% | 10.70% | 10.13% | 5.20% | 5.80% | -400 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.15% | 16.44% | 17.13% | 16.61% | 17.19% | 17.14% | 18.78% | 18.23% | +162 bps | |
| Net Worth / Assets | 16.15% | 16.44% | 17.13% | 16.61% | 17.19% | 17.14% | 18.78% | 18.23% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.45% | 69.07% | 67.14% | 65.08% | 60.62% | 64.40% | 60.99% | 59.23% | -585 bps | |
| Liquid Assets / Assets | 43.20% | 45.91% | 48.04% | 49.39% | 53.54% | 50.42% | 52.30% | 52.65% | +326 bps | |