Albion, PA · Charter 7917
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.32% | -1.94% | 0.24% | -3.72% | -3.13% | -2.95% | -5.52% | -3.32% | +41 bps | |
| Return on Equity | -4.23% | -7.13% | 1.02% | -18.76% | -16.14% | -14.99% | -29.29% | -18.03% | +74 bps | |
| Net Interest Margin | 4.44% | 2.98% | 3.86% | 2.44% | 2.22% | 2.23% | 2.94% | 2.91% | +47 bps | |
| Efficiency Ratio | 129.32% | 162.88% | 93.84% | 165.12% | 176.82% | 182.58% | 120.08% | 129.60% | -3,551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.67% | -3.56% | 17.45% | 57.15% | 38.98% | 19.97% | -0.28% | -5.85% | -6,299 bps | |
| Loan Growth (YoY) | -36.03% | -33.86% | -31.59% | -5.50% | -15.03% | -19.99% | -20.23% | 1.82% | +732 bps | |
| Share Growth (YoY) | -6.45% | -2.04% | 28.52% | 97.91% | 60.98% | 31.41% | 5.23% | -4.25% | -10,216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.17% | 4.87% | 7.46% | 2.40% | 4.55% | 7.60% | 2.76% | 0.00% | -240 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 | 3.54% | 3.62% | 3.86% | 4.08% | 5.02% | 5.44% | 2.99% | 2.48% | -161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.15% | 27.17% | 23.23% | 19.85% | 19.37% | 19.71% | 18.83% | 18.40% | -145 bps | |
| Net Worth / Assets | 31.15% | 27.17% | 23.23% | 19.85% | 19.37% | 19.71% | 18.83% | 18.40% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.47% | 57.76% | 43.75% | 37.14% | 36.14% | 35.16% | 33.17% | 39.50% | +235 bps | |
| Liquid Assets / Assets | 50.11% | 56.64% | 65.48% | 69.53% | 70.53% | 71.45% | 71.92% | 66.52% | -301 bps | |