Johnstown, PA · Charter 24418
Q3 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.71% | 0.84% | 0.78% | 1.27% | -0.62% | 0.33% | 0.67% | -11 bps | |
| Return on Equity | 8.81% | 8.20% | 10.60% | 10.49% | 14.11% | -7.38% | 4.21% | 8.19% | -230 bps | |
| Net Interest Margin | 4.74% | 5.07% | 4.39% | 4.04% | 4.63% | 4.63% | 4.20% | 4.23% | +19 bps | |
| Efficiency Ratio | 77.44% | 77.30% | 81.32% | 79.64% | 79.03% | 82.51% | 80.38% | 76.54% | -310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.85% | 30.88% | 18.32% | 48.04% | 5.66% | 18.31% | 12.32% | 3.33% | -4,471 bps | |
| Loan Growth (YoY) | 34.83% | 26.79% | 16.07% | 16.81% | 9.48% | 4.69% | 7.87% | 4.55% | -1,225 bps | |
| Share Growth (YoY) | 15.42% | 30.17% | 17.46% | 50.88% | 4.45% | 18.70% | 12.32% | 2.65% | -4,823 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.27% | 0.18% | 0.33% | 1.38% | 0.44% | 1.11% | 0.99% | +65 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 | 1.45% | 1.45% | 1.29% | 1.32% | 0.45% | 0.80% | 0.63% | 0.62% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.85% | 8.69% | 7.91% | 7.40% | 9.01% | 8.40% | 7.93% | 8.18% | +78 bps | |
| Net Worth / Assets | 7.85% | 8.69% | 7.91% | 7.40% | 9.01% | 8.40% | 7.93% | 8.18% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.64% | 67.98% | 58.67% | 56.93% | 64.61% | 59.96% | 56.34% | 57.98% | +106 bps | |
| Liquid Assets / Assets | 41.12% | 28.01% | 37.20% | 39.42% | 31.58% | 36.10% | 39.81% | 38.62% | -80 bps | |