Erie, PA · Charter 7750
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.54% | 0.76% | 1.00% | 0.88% | 0.66% | 0.65% | -0.64% | -164 bps | |
| Return on Equity | n/a | n/a | 5.59% | 7.55% | 6.73% | 5.51% | 5.42% | -6.08% | -1,362 bps | |
| Net Interest Margin | 3.82% | 3.54% | 3.75% | 3.79% | 3.68% | 3.38% | 3.34% | 2.04% | -175 bps | |
| Efficiency Ratio | 81.60% | 86.39% | 81.76% | 76.20% | 77.64% | 80.06% | 80.11% | 119.28% | +4,308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.52% | 12.16% | 7.32% | 6.11% | 13.56% | 23.67% | 26.73% | 21.39% | +1,527 bps | |
| Loan Growth (YoY) | -0.86% | 9.59% | 26.03% | 23.99% | 16.67% | -1.80% | -8.76% | -10.54% | -3,453 bps | |
| Share Growth (YoY) | 11.76% | 11.77% | 6.81% | 5.01% | 13.03% | 24.71% | 27.49% | 27.90% | +2,289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 1.24% | 0.52% | 1.02% | 2.14% | 1.52% | 2.38% | 1.67% | +65 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 | 1.19% | 0.92% | 0.92% | 0.93% | 1.06% | 1.06% | 0.94% | 0.58% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 13.52% | 13.22% | 13.12% | 11.90% | 11.92% | 10.59% | -263 bps | |
| Net Worth / Assets | n/a | n/a | 13.52% | 13.22% | 13.12% | 11.90% | 11.92% | 10.59% | -263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.03% | 63.29% | 71.57% | 65.87% | 60.93% | 49.83% | 51.22% | 46.07% | -1,980 bps | |
| Liquid Assets / Assets | 6.51% | 3.80% | 6.16% | 14.46% | 15.69% | 22.29% | 23.65% | 23.39% | +893 bps | |