Erie, PA · Charter 7757
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.92% | 2.74% | 2.81% | 2.96% | 2.72% | 2.32% | -0.29% | 0.77% | -219 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.28% | 4.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 103.90% | 85.01% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.55% | -18.54% | -15.13% | -17.95% | -5.83% | -17.49% | -18.91% | -12.34% | +561 bps | |
| Loan Growth (YoY) | -27.89% | -36.11% | -37.11% | -26.06% | -15.49% | -6.31% | 8.83% | 22.02% | +4,808 bps | |
| Share Growth (YoY) | -23.38% | -17.63% | -15.10% | -19.87% | -7.09% | -19.31% | -21.08% | -13.71% | +615 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.50% | 4.92% | 5.31% | 5.02% | 12.82% | 3.12% | 3.32% | 2.70% | -232 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 | 4.97% | 2.87% | 3.32% | 3.48% | 2.70% | 2.17% | 2.62% | 2.10% | -139 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.20% | 42.57% | 40.56% | 45.11% | 47.48% | 49.43% | 55.93% | 63.79% | +1,868 bps | |
| Liquid Assets / Assets | 37.10% | 27.81% | 35.28% | 35.92% | 50.40% | 46.99% | 30.37% | 31.19% | -473 bps | |