Erie, PA · Charter 6586
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.23% | 0.50% | 0.68% | 0.49% | 0.57% | 1.05% | 0.61% | -7 bps | |
| Return on Equity | 1.25% | 2.05% | 4.84% | 6.32% | 4.60% | 5.60% | 10.35% | 5.74% | -58 bps | |
| Net Interest Margin | 4.46% | 4.27% | 3.72% | 3.80% | 3.60% | 3.56% | 2.86% | 2.87% | -93 bps | |
| Efficiency Ratio | 91.14% | 89.59% | 88.38% | 84.64% | 86.98% | 83.60% | 95.84% | 100.32% | +1,568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 2.17% | 9.61% | 9.61% | 6.34% | 13.08% | 8.99% | 7.96% | -165 bps | |
| Loan Growth (YoY) | 0.29% | -10.53% | -17.56% | -19.57% | -21.00% | -14.18% | -7.55% | -9.40% | +1,017 bps | |
| Share Growth (YoY) | -0.04% | 1.70% | 10.21% | 10.75% | 6.80% | 13.88% | 9.06% | 8.33% | -242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.43% | 0.44% | 0.27% | 0.91% | 0.59% | 0.47% | 1.56% | +128 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 | 1.19% | 1.32% | 1.29% | 1.23% | 1.39% | 1.46% | 0.39% | 0.40% | -82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.72% | 11.00% | 10.27% | 10.75% | 10.58% | 10.11% | 10.12% | 10.61% | -14 bps | |
| Net Worth / Assets | 10.72% | 11.00% | 10.27% | 10.75% | 10.58% | 10.11% | 10.12% | 10.61% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.37% | 71.03% | 61.10% | 61.83% | 57.24% | 53.53% | 51.80% | 51.72% | -1,012 bps | |
| Liquid Assets / Assets | 19.88% | 24.44% | 21.88% | 15.84% | 25.15% | 26.27% | 24.74% | 23.22% | +738 bps | |