Ellwood City, PA · Charter 7360
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 4.54% | -4.12% | 5.78% | 0.52% | 2.44% | 2.33% | 0.07% | -571 bps | |
| Return on Equity | n/a | n/a | -21.41% | 25.67% | 2.37% | 10.63% | 10.17% | 0.31% | -2,535 bps | |
| Net Interest Margin | 5.32% | 7.19% | 5.08% | 8.31% | 6.52% | 5.00% | 4.77% | 2.64% | -567 bps | |
| Efficiency Ratio | 48.58% | 37.01% | 54.49% | 31.16% | 39.69% | 51.31% | 51.14% | 97.43% | +6,627 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.46% | -0.87% | 2.83% | -3.69% | -9.12% | -6.16% | -6.81% | -6.99% | -330 bps | |
| Loan Growth (YoY) | 8.79% | 19.50% | -21.75% | -23.80% | -35.72% | -48.47% | -28.42% | -34.18% | -1,037 bps | |
| Share Growth (YoY) | -11.18% | -5.15% | 6.74% | -2.06% | -5.87% | -3.37% | -8.42% | -8.73% | -666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.97% | 20.14% | 9.50% | 4.85% | 15.80% | 12.90% | 11.88% | 13.16% | +831 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 | 6.85% | 9.72% | 4.15% | 4.86% | 18.68% | 17.57% | 17.56% | 20.12% | +1,526 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 19.25% | 22.51% | 21.73% | 22.91% | 22.91% | 21.67% | -84 bps | |
| Net Worth / Assets | n/a | n/a | 19.25% | 22.51% | 21.73% | 22.91% | 22.91% | 21.67% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.29% | 54.98% | 37.18% | 36.85% | 35.03% | 29.32% | 29.06% | 26.57% | -1,028 bps | |
| Liquid Assets / Assets | 38.43% | 20.67% | 71.19% | 72.05% | 64.15% | 80.46% | 78.92% | 83.03% | +1,097 bps | |