Norristown, PA · Charter 62610
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.82% | 1.41% | 0.35% | 0.53% | 0.48% | 0.52% | 0.50% | 0.35% | -18 bps | |
| Return on Equity | 14.52% | 10.55% | 2.92% | 4.64% | 3.78% | 4.53% | 4.29% | 3.08% | -156 bps | |
| Net Interest Margin | 4.19% | 4.01% | 2.72% | 2.71% | 2.97% | 2.56% | 2.54% | 2.35% | -36 bps | |
| Efficiency Ratio | 56.88% | 63.33% | 83.33% | 81.02% | 82.85% | 79.86% | 80.60% | 85.46% | +444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.78% | 13.46% | 18.41% | 31.34% | 7.20% | 22.62% | 7.52% | 5.10% | -2,624 bps | |
| Loan Growth (YoY) | 11.71% | -7.44% | -20.98% | -21.92% | -27.69% | -22.37% | -20.05% | -23.07% | -115 bps | |
| Share Growth (YoY) | 7.16% | 11.47% | 17.79% | 33.99% | 7.17% | 25.35% | 8.18% | 4.87% | -2,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.24% | 1.19% | 0.00% | 0.00% | 0.32% | 0.52% | 1.08% | +108 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 | 1.21% | 1.24% | 1.48% | 0.98% | 1.22% | 1.22% | 1.31% | 1.40% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.55% | 13.38% | 11.92% | 11.43% | 12.58% | 11.47% | 11.61% | 11.23% | -20 bps | |
| Net Worth / Assets | 12.55% | 13.38% | 11.92% | 11.43% | 12.58% | 11.47% | 11.61% | 11.23% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.02% | 67.97% | 53.67% | 49.05% | 49.26% | 42.09% | 39.66% | 35.98% | -1,307 bps | |
| Liquid Assets / Assets | 34.97% | 40.07% | 51.76% | 55.31% | 55.76% | 61.50% | 63.69% | 67.03% | +1,171 bps | |