Erie, PA · Charter 65475
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.73% | 4.95% | 4.36% | 4.51% | 4.41% | -1.96% | -1.74% | 0.58% | -393 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.75% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.70% | 3.78% | 4.49% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 82.60% | 92.99% | 66.41% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.63% | 17.74% | 14.39% | 8.55% | 8.79% | 1.34% | -6.17% | -10.14% | -1,869 bps | |
| Loan Growth (YoY) | 19.27% | 3.88% | 0.93% | -6.92% | -9.33% | -0.05% | -0.91% | -8.12% | -119 bps | |
| Share Growth (YoY) | 33.71% | 18.03% | 11.57% | 7.53% | 7.93% | 0.10% | -1.09% | -7.30% | -1,483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 1.44% | 0.59% | 0.16% | 1.69% | 0.26% | 3.77% | 3.80% | +364 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 | 0.66% | 0.67% | 0.35% | 0.87% | 1.09% | 3.76% | 5.34% | 4.53% | +366 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.92% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.92% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.04% | 78.37% | 73.76% | 74.07% | 66.40% | 78.25% | 73.89% | 73.42% | -65 bps | |
| Liquid Assets / Assets | 17.75% | 18.52% | 22.09% | 22.82% | 24.21% | 13.13% | 18.74% | 19.59% | -322 bps | |