Erie, PA · Charter 682
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.24% | 0.00% | 0.09% | 0.11% | 0.10% | 0.58% | 0.53% | +44 bps | |
| Return on Equity | -0.45% | -1.52% | 0.03% | 0.59% | 0.73% | 0.60% | 3.57% | 3.01% | +242 bps | |
| Net Interest Margin | 1.97% | 1.95% | 1.96% | 1.98% | 2.11% | 2.14% | 2.04% | 2.18% | +20 bps | |
| Efficiency Ratio | 97.83% | 104.53% | 99.75% | 95.61% | 94.65% | 98.48% | 70.65% | 75.49% | -2,012 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.36% | 2.97% | 2.16% | 4.81% | 2.09% | -1.74% | -4.56% | -13.42% | -1,823 bps | |
| Loan Growth (YoY) | -0.03% | 0.30% | -2.04% | -0.02% | -4.09% | -6.53% | -9.29% | -14.35% | -1,433 bps | |
| Share Growth (YoY) | 6.53% | 3.90% | 3.00% | 6.13% | 2.62% | -2.09% | -5.60% | -16.06% | -2,219 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.84% | 1.14% | 1.94% | 0.95% | 1.52% | 0.72% | 0.12% | 0.08% | -86 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 | 0.17% | 0.14% | 0.14% | 0.13% | 0.14% | 0.03% | 0.04% | 0.04% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.05% | 15.63% | 15.22% | 14.91% | 15.62% | 16.01% | 16.18% | 17.53% | +263 bps | |
| Net Worth / Assets | 16.05% | 15.63% | 15.22% | 14.91% | 15.62% | 16.01% | 16.18% | 17.53% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.11% | 70.80% | 67.82% | 69.21% | 70.20% | 67.59% | 65.17% | 70.62% | +141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |