Erie, PA · Charter 4003
Q3 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | -0.20% | 0.47% | 0.63% | -2.41% | -2.83% | -7.43% | -10.85% | -1,149 bps | |
| Return on Equity | n/a | n/a | n/a | 4.13% | -16.06% | -18.66% | -54.45% | -103.81% | -10,794 bps | |
| Net Interest Margin | n/a | 5.66% | 6.25% | 6.30% | 5.94% | 6.06% | 7.08% | 7.32% | +102 bps | |
| Efficiency Ratio | n/a | 103.38% | 92.63% | 90.21% | 106.47% | 112.59% | 97.82% | 105.33% | +1,513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.79% | 2.44% | -8.34% | -7.97% | -17.29% | -24.09% | -30.39% | -30.61% | -2,264 bps | |
| Loan Growth (YoY) | -11.92% | -25.50% | -31.74% | -26.37% | -19.18% | -22.17% | -37.27% | -39.73% | -1,337 bps | |
| Share Growth (YoY) | 7.71% | 6.71% | -9.93% | -6.79% | -19.04% | -25.60% | -29.39% | -25.11% | -1,832 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.95% | 15.87% | 7.52% | 6.47% | 10.56% | 29.22% | 24.42% | 26.03% | +1,956 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 | 5.03% | 5.34% | 3.31% | 2.14% | 3.44% | 2.61% | 4.61% | 11.18% | +904 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.33% | 15.02% | 15.16% | 13.64% | 10.45% | -488 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 15.33% | 15.02% | 15.16% | 13.64% | 10.45% | -488 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.20% | 80.96% | 77.60% | 83.66% | 90.05% | 84.70% | 68.94% | 67.33% | -1,634 bps | |
| Liquid Assets / Assets | 21.07% | 21.97% | 29.68% | 27.79% | 23.18% | 26.69% | 39.10% | 41.96% | +1,417 bps | |