York, PA · Charter 24457
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.42% | 0.36% | 0.42% | 0.51% | -0.18% | -0.03% | -2.03% | -245 bps | |
| Return on Equity | 0.98% | 3.11% | 2.72% | 2.96% | 3.85% | -1.42% | -0.21% | -18.29% | -2,126 bps | |
| Net Interest Margin | 4.04% | 4.45% | 4.33% | 4.48% | 4.69% | 4.12% | 4.25% | 4.16% | -33 bps | |
| Efficiency Ratio | 96.22% | 91.13% | 92.14% | 91.20% | 84.11% | 95.04% | 94.04% | 132.04% | +4,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.19% | 5.17% | 2.76% | -7.69% | -3.16% | 6.26% | -2.81% | 4.74% | +1,243 bps | |
| Loan Growth (YoY) | 1.32% | -6.94% | -10.66% | -10.05% | -5.51% | -6.61% | -3.53% | -7.86% | +219 bps | |
| Share Growth (YoY) | 30.80% | 5.74% | 3.02% | -8.75% | -3.48% | 7.65% | -3.22% | 7.72% | +1,647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.88% | 2.08% | 2.22% | 1.94% | 1.89% | 1.51% | 0.94% | -128 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 | 0.62% | 0.51% | 0.56% | 0.51% | 0.37% | 0.12% | 0.04% | 0.33% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.93% | 13.61% | 13.30% | 14.03% | 13.13% | 12.38% | 13.57% | 11.10% | -293 bps | |
| Net Worth / Assets | 12.93% | 13.61% | 13.30% | 14.03% | 13.13% | 12.38% | 13.57% | 11.10% | -293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.78% | 57.38% | 54.33% | 58.80% | 53.63% | 49.78% | 54.16% | 50.30% | -850 bps | |
| Liquid Assets / Assets | 39.19% | 37.42% | 39.01% | 34.76% | 40.91% | 44.67% | 39.15% | 32.86% | -191 bps | |