New Castle, PA · Charter 2610
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.13% | 0.57% | -1.64% | -0.30% | 0.10% | 0.15% | 0.12% | +176 bps | |
| Return on Equity | n/a | n/a | 3.62% | -10.53% | -1.85% | 0.72% | 1.07% | 0.80% | +1,133 bps | |
| Net Interest Margin | 4.63% | 5.26% | 5.57% | 5.94% | 5.64% | 3.83% | 3.82% | 4.13% | -181 bps | |
| Efficiency Ratio | 79.22% | 76.26% | 75.45% | 79.97% | 80.18% | 93.79% | 90.31% | 92.98% | +1,301 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | 0.09% | -4.17% | -10.64% | -11.66% | -0.67% | 8.90% | 8.44% | +1,909 bps | |
| Loan Growth (YoY) | -17.54% | 5.50% | 9.51% | 10.76% | 6.81% | -22.81% | -23.05% | -25.47% | -3,623 bps | |
| Share Growth (YoY) | 3.37% | -0.36% | -5.85% | -11.93% | -13.66% | -0.68% | 10.94% | 9.97% | +2,190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.70% | 9.34% | 6.51% | 7.30% | 9.88% | 7.66% | 8.74% | 6.04% | -126 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 | 2.93% | 3.42% | 1.71% | 2.96% | 3.55% | 3.73% | 4.17% | 4.06% | +110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 15.67% | 15.56% | 16.15% | 14.13% | 13.86% | 14.55% | -101 bps | |
| Net Worth / Assets | n/a | n/a | 15.67% | 15.56% | 16.15% | 14.13% | 13.86% | 14.55% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.74% | 89.35% | 99.99% | 101.25% | 94.94% | 69.44% | 69.36% | 68.62% | -3,263 bps | |
| Liquid Assets / Assets | 1.28% | 1.31% | 15.54% | 16.63% | 21.53% | 42.22% | 42.34% | 41.57% | +2,494 bps | |