Erie, PA · Charter 7359
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.28% | 4.55% | 3.90% | -0.47% | 0.87% | 0.95% | 1.74% | 0.95% | +143 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.24% | 8.26% | 4.11% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.50% | 3.40% | 3.97% | 4.56% | 4.10% | -40 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 59.16% | 74.48% | 73.82% | 61.82% | 76.75% | +1,759 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.02% | -6.17% | 8.65% | 20.81% | 18.66% | 16.71% | -7.63% | -14.25% | -3,506 bps | |
| Loan Growth (YoY) | 12.31% | 11.93% | 15.31% | 37.70% | -1.04% | 12.41% | 3.04% | -32.28% | -6,998 bps | |
| Share Growth (YoY) | -17.02% | -10.86% | 8.15% | 25.54% | 23.68% | 22.40% | -9.51% | -19.02% | -4,456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.35% | 4.85% | 6.95% | 0.00% | 0.00% | 0.00% | 0.00% | 3.37% | +337 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 | 1.35% | 1.45% | 1.27% | 1.05% | 1.36% | 1.54% | 1.48% | 1.86% | +81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 18.10% | 21.05% | 23.17% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 18.10% | 21.05% | 23.17% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.60% | 46.95% | 45.82% | 55.89% | 38.89% | 43.12% | 52.17% | 46.74% | -915 bps | |
| Liquid Assets / Assets | 53.49% | 56.11% | 50.68% | 42.97% | 49.02% | 64.19% | 58.29% | 63.74% | +2,077 bps | |