Erie, PA · Charter 7304
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.08% | 0.19% | 0.08% | 0.12% | -0.80% | -0.46% | -0.26% | -34 bps | |
| Return on Equity | 0.68% | 0.81% | 1.98% | 0.82% | 1.20% | -8.51% | -4.83% | -2.67% | -349 bps | |
| Net Interest Margin | 3.26% | 3.00% | 3.06% | 3.11% | 3.15% | 2.92% | 2.91% | 3.00% | -11 bps | |
| Efficiency Ratio | 95.26% | 94.04% | 91.52% | 91.75% | 91.32% | 101.53% | 99.80% | 97.10% | +535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.41% | 10.48% | -1.89% | -1.21% | 0.87% | -2.31% | -3.04% | -2.11% | -90 bps | |
| Loan Growth (YoY) | -14.67% | -10.93% | -8.55% | -8.84% | -6.03% | -7.84% | -3.83% | -1.48% | +736 bps | |
| Share Growth (YoY) | 6.60% | 10.84% | -1.75% | -0.67% | 1.09% | -1.69% | -2.41% | -1.95% | -128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 2.14% | 2.30% | 2.96% | 2.30% | 1.31% | 1.52% | 1.56% | -140 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 | 0.46% | 0.51% | 0.57% | 0.62% | 0.63% | 0.76% | 0.83% | 0.85% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.86% | 9.31% | 9.40% | 9.64% | 9.90% | 9.43% | 9.54% | 9.72% | +7 bps | |
| Net Worth / Assets | 9.86% | 9.31% | 9.40% | 9.64% | 9.90% | 9.43% | 9.54% | 9.72% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.69% | 41.27% | 40.24% | 40.95% | 41.55% | 38.69% | 39.66% | 41.14% | +19 bps | |
| Liquid Assets / Assets | 22.80% | 27.44% | 26.83% | 27.49% | 25.28% | 28.42% | 22.84% | 17.26% | -1,023 bps | |