Oil City, PA · Charter 7936
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.29% | 4.69% | 2.43% | 1.63% | 1.30% | 0.38% | -31.49% | -3,392 bps | |
| Return on Equity | 0.86% | 0.85% | 13.52% | 6.84% | 4.54% | 3.43% | 0.99% | -146.12% | -15,296 bps | |
| Net Interest Margin | 3.20% | 3.25% | 3.03% | 2.97% | 3.04% | 3.24% | 3.11% | -27.73% | -3,069 bps | |
| Efficiency Ratio | 91.08% | 91.10% | 97.73% | 97.86% | 98.81% | 98.83% | 87.87% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.81% | 4.40% | 9.14% | -0.57% | -4.01% | -6.95% | -8.21% | -7.14% | -656 bps | |
| Loan Growth (YoY) | -39.94% | -26.29% | -10.12% | 7.07% | 22.24% | 24.85% | 9.86% | -1.86% | -893 bps | |
| Share Growth (YoY) | 16.74% | 7.03% | 12.42% | -2.97% | -7.74% | -12.24% | -12.58% | 11.88% | +1,486 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.74% | 4.67% | 0.85% | 0.79% | 0.73% | 0.70% | 0.77% | 0.80% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.14% | 34.17% | 34.69% | 35.46% | 35.81% | 38.02% | 37.91% | 21.55% | -1,391 bps | |
| Net Worth / Assets | 33.14% | 34.17% | 34.69% | 35.46% | 35.81% | 38.02% | 37.91% | 21.55% | -1,391 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.55% | 47.30% | 48.21% | 53.85% | 59.03% | 67.28% | 60.58% | 47.24% | -661 bps | |
| Liquid Assets / Assets | 70.17% | 68.95% | 67.36% | 64.12% | 60.74% | 56.98% | 61.12% | 62.17% | -195 bps | |