Erie, PA · Charter 4446
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | 0.02% | 0.05% | 0.04% | 0.06% | 0.08% | 0.02% | -0.27% | -31 bps | |
| Return on Equity | -0.67% | 0.26% | 0.65% | 0.50% | 0.76% | 1.15% | 0.24% | -3.64% | -414 bps | |
| Net Interest Margin | 2.45% | 2.61% | 2.66% | 2.69% | 2.34% | 2.38% | 2.47% | 2.43% | -25 bps | |
| Efficiency Ratio | 98.54% | 94.14% | 94.38% | 94.29% | 99.21% | 99.68% | 100.37% | 108.90% | +1,461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | -1.33% | -2.59% | -2.40% | -1.05% | 0.34% | -2.11% | -1.01% | +138 bps | |
| Loan Growth (YoY) | -5.58% | -11.56% | -6.97% | -5.13% | -2.46% | -0.95% | -10.43% | -14.36% | -923 bps | |
| Share Growth (YoY) | -0.57% | -2.46% | -2.91% | -2.84% | -1.16% | 0.34% | -3.05% | -2.08% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.36% | 0.34% | 0.77% | 0.78% | 0.16% | 1.34% | 0.45% | -32 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 | 0.14% | 0.26% | 0.25% | 0.28% | 0.24% | 0.17% | 0.17% | 0.15% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.11% | 7.23% | 7.42% | 7.56% | 7.24% | 7.27% | 7.60% | 7.37% | -19 bps | |
| Net Worth / Assets | 7.11% | 7.23% | 7.42% | 7.56% | 7.24% | 7.27% | 7.60% | 7.37% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.95% | 42.86% | 46.23% | 46.29% | 43.38% | 42.31% | 42.71% | 40.48% | -581 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |