Erie, PA · Charter 7914
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -0.66% | -0.48% | 0.23% | 0.13% | 0.21% | 0.16% | 0.31% | +8 bps | |
| Return on Equity | -5.96% | -3.80% | -2.86% | 1.40% | 0.82% | 1.12% | 0.90% | 1.81% | +41 bps | |
| Net Interest Margin | 2.45% | 2.87% | 2.82% | 3.20% | 3.20% | 3.78% | 3.56% | 3.13% | -7 bps | |
| Efficiency Ratio | 132.66% | 117.97% | 113.17% | 92.84% | 95.85% | 94.36% | 95.38% | 90.10% | -274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.27% | 6.29% | 6.51% | 9.35% | 5.27% | -7.34% | -7.44% | -2.87% | -1,222 bps | |
| Loan Growth (YoY) | -30.17% | -19.67% | -11.84% | 27.00% | 17.17% | 16.00% | 6.68% | -11.28% | -3,828 bps | |
| Share Growth (YoY) | 6.48% | 9.31% | 9.66% | 12.50% | 6.41% | -8.92% | -9.01% | -3.58% | -1,608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 2.53% | 3.37% | 0.72% | 1.48% | 8.96% | 8.06% | 3.58% | +286 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 | 2.77% | 4.30% | 4.21% | 2.46% | 2.50% | 2.74% | 2.97% | 3.32% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.09% | 17.51% | 16.73% | 16.42% | 16.26% | 18.98% | 18.24% | 17.14% | +72 bps | |
| Net Worth / Assets | 17.09% | 17.51% | 16.73% | 16.42% | 16.26% | 18.98% | 18.24% | 17.14% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.98% | 46.09% | 44.77% | 53.54% | 52.83% | 58.70% | 52.49% | 49.27% | -427 bps | |
| Liquid Assets / Assets | 31.38% | 32.99% | 63.65% | 23.02% | 23.93% | 31.07% | 57.65% | 59.75% | +3,673 bps | |