Erie, PA · Charter 8414
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.06% | 3.59% | 0.27% | 0.65% | 0.46% | 0.18% | -0.46% | 0.39% | -27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 3.67% | 1.46% | -4.24% | 3.53% | n/a | |
| Net Interest Margin | n/a | n/a | 2.98% | 3.31% | 3.30% | 3.12% | 3.00% | 3.05% | -26 bps | |
| Efficiency Ratio | n/a | n/a | 85.97% | 80.48% | 83.86% | 94.34% | 93.78% | 81.59% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.74% | 1.48% | 2.61% | 1.44% | -1.54% | -0.76% | 4.44% | 8.04% | +661 bps | |
| Loan Growth (YoY) | -21.93% | -18.78% | -22.44% | -13.53% | 9.16% | 16.50% | 9.72% | -8.76% | +477 bps | |
| Share Growth (YoY) | -2.64% | 1.29% | 2.75% | 0.94% | -2.69% | -1.72% | 5.26% | 9.86% | +893 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 8.15% | 4.08% | 7.43% | 4.84% | 5.07% | 6.75% | 4.80% | -263 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 | 1.08% | 1.59% | 1.52% | 1.34% | 1.34% | 1.10% | 2.58% | 2.33% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.55% | 12.18% | 10.94% | 10.93% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.55% | 12.18% | 10.94% | 10.93% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.16% | 46.41% | 45.79% | 48.46% | 56.27% | 55.02% | 47.73% | 40.25% | -821 bps | |
| Liquid Assets / Assets | 27.99% | 17.90% | 10.75% | 7.17% | 20.09% | 22.73% | 27.59% | 30.53% | +2,336 bps | |