Atglen, PA · Charter 65404
Q4 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.92% | 0.07% | 0.08% | -2.58% | 0.31% | -1.26% | -3.88% | -7.57% | -499 bps | |
| Return on Equity | -30.64% | 0.62% | 0.59% | -22.56% | 2.79% | -12.20% | -45.01% | -75.09% | -5,253 bps | |
| Net Interest Margin | 5.31% | 4.37% | 4.76% | 5.15% | 4.69% | 4.63% | 4.74% | 7.18% | +203 bps | |
| Efficiency Ratio | 71.02% | 78.36% | 78.51% | 79.49% | 79.39% | 80.21% | 81.70% | 83.14% | +365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -3.89% | -1.79% | -14.76% | -4.25% | -11.67% | -8.84% | -35.46% | -2,069 bps | |
| Loan Growth (YoY) | 0.24% | -19.28% | -9.55% | -16.05% | -8.45% | -9.53% | -17.10% | -27.44% | -1,139 bps | |
| Share Growth (YoY) | -0.29% | -0.92% | 2.65% | -11.44% | -2.68% | -10.25% | -4.48% | -34.95% | -2,351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.60% | 9.57% | 15.73% | 15.32% | 11.46% | 11.98% | 7.47% | 10.15% | -518 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 | 6.13% | 7.00% | 7.41% | 9.54% | 7.13% | 7.39% | 4.97% | 5.26% | -429 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.78% | 11.94% | 12.95% | 11.45% | 10.97% | 10.37% | 8.63% | 10.08% | -137 bps | |
| Net Worth / Assets | 12.78% | 11.94% | 12.95% | 11.45% | 10.97% | 10.37% | 8.63% | 10.08% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.35% | 75.01% | 82.21% | 85.75% | 77.46% | 75.62% | 71.35% | 95.64% | +989 bps | |
| Liquid Assets / Assets | 28.95% | 33.17% | 28.57% | 27.42% | 31.11% | 33.55% | 32.81% | 14.71% | -1,271 bps | |