Erie, PA · Charter 7048
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 | 1.18% | 0.41% | 0.13% | 0.11% | 0.09% | 0.04% | 0.08% | 0.10% | -1 bps | |
| Return on Equity | 8.83% | 3.10% | 1.15% | 0.99% | 0.81% | 0.37% | 0.76% | 0.87% | -12 bps | |
| Net Interest Margin | 4.20% | 3.76% | 2.50% | 2.46% | 2.53% | 2.36% | 2.43% | 2.51% | +5 bps | |
| Efficiency Ratio | 73.20% | 80.81% | 95.88% | 96.36% | 95.79% | 98.65% | 95.97% | 94.15% | -221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 0.51% | 13.79% | 19.44% | 15.11% | 19.95% | 3.23% | 0.16% | -1,927 bps | |
| Loan Growth (YoY) | 15.32% | 12.85% | -12.44% | -16.24% | -19.62% | -23.42% | -9.78% | -12.09% | +414 bps | |
| Share Growth (YoY) | -2.28% | -1.11% | 14.53% | 22.03% | 17.59% | 22.77% | 3.30% | 0.23% | -2,180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 2.35% | 1.77% | 1.78% | 2.37% | 3.13% | 3.33% | 4.30% | +252 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 | 0.91% | 1.52% | 1.69% | 1.55% | 1.57% | 1.44% | 1.46% | 1.45% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.36% | 13.17% | 11.45% | 11.44% | 11.54% | 11.08% | 11.16% | 11.50% | +6 bps | |
| Net Worth / Assets | 13.36% | 13.17% | 11.45% | 11.44% | 11.54% | 11.08% | 11.16% | 11.50% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.23% | 55.43% | 39.07% | 39.17% | 38.44% | 34.58% | 34.12% | 34.35% | -481 bps | |
| Liquid Assets / Assets | 36.53% | 38.43% | 45.43% | 36.85% | 32.49% | 41.08% | 38.33% | 24.80% | -1,206 bps | |