Erie, PA · Charter 5418
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.76% | 0.72% | 0.59% | 0.84% | 0.72% | 0.91% | +19 bps | |
| Return on Equity | 3.57% | 3.11% | 3.43% | 3.22% | 2.63% | 3.58% | 3.03% | 3.63% | +41 bps | |
| Net Interest Margin | 3.34% | 3.45% | 3.72% | 3.74% | 3.76% | 4.06% | 4.09% | 4.29% | +55 bps | |
| Efficiency Ratio | 78.96% | 81.47% | 79.90% | 81.06% | 84.55% | 79.62% | 82.71% | 79.17% | -189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.20% | -10.83% | -14.55% | -9.37% | -7.94% | -7.93% | -3.84% | -7.52% | +185 bps | |
| Loan Growth (YoY) | -5.76% | -13.33% | -18.15% | -16.46% | -11.22% | 0.51% | 9.05% | 6.72% | +2,318 bps | |
| Share Growth (YoY) | -11.55% | -13.50% | -18.44% | -12.46% | -10.66% | -10.96% | -5.76% | -10.70% | +177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.09% | 0.27% | 0.00% | 0.00% | 0.20% | 0.00% | -27 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 | 0.96% | 1.01% | 1.04% | 0.90% | 0.90% | 0.84% | 0.80% | 0.83% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.00% | 20.84% | 22.12% | 22.26% | 22.40% | 23.44% | 23.69% | 24.98% | +272 bps | |
| Net Worth / Assets | 20.00% | 20.84% | 22.12% | 22.26% | 22.40% | 23.44% | 23.69% | 24.98% | +272 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.46% | 53.34% | 54.98% | 53.05% | 53.12% | 60.21% | 63.61% | 63.40% | +1,035 bps | |
| Liquid Assets / Assets | 26.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |