Spangler, PA · Charter 5094
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.42% | -1.70% | -1.55% | -1.92% | -4.40% | -1.93% | -1.24% | -2.93% | -101 bps | |
| Return on Equity | -8.70% | -10.49% | -10.84% | -13.24% | -31.36% | -14.96% | -7.12% | -16.87% | -363 bps | |
| Net Interest Margin | 4.75% | 4.99% | 4.39% | 4.36% | 0.80% | 3.94% | 6.21% | 4.39% | +4 bps | |
| Efficiency Ratio | 129.94% | 134.05% | 135.20% | 144.12% | 544% | 149.08% | 120.77% | 166.52% | +2,241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.15% | -11.44% | -6.10% | -9.12% | 2.57% | 11.73% | -19.44% | -19.86% | -1,075 bps | |
| Loan Growth (YoY) | -29.79% | -19.56% | -17.61% | -25.93% | 0.06% | 16.54% | 19.67% | 21.82% | +4,776 bps | |
| Share Growth (YoY) | -18.36% | -11.65% | -3.47% | -6.69% | 5.26% | 16.57% | -22.26% | -22.15% | -1,546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.02% | 15.81% | 15.04% | 15.59% | 11.76% | 11.11% | 1.06% | 0.00% | -1,559 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 | 8.12% | 8.93% | 10.15% | 10.41% | 8.11% | 7.67% | 8.48% | 8.54% | -186 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.34% | 16.19% | 14.27% | 14.51% | 14.05% | 12.93% | 17.38% | 17.39% | +287 bps | |
| Net Worth / Assets | 16.34% | 16.19% | 14.27% | 14.51% | 14.05% | 12.93% | 17.38% | 17.39% | +287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.75% | 68.15% | 57.79% | 60.66% | 69.16% | 68.13% | 88.95% | 94.91% | +3,426 bps | |
| Liquid Assets / Assets | 41.83% | 44.99% | 53.56% | 51.44% | 41.56% | 41.62% | 27.66% | 22.57% | -2,887 bps | |