Greensburg, PA · Charter 9898
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.39% | 0.09% | 0.11% | -1.67% | -5.29% | -2.82% | -2.05% | -216 bps | |
| Return on Equity | 5.94% | 7.19% | 0.45% | 0.57% | -8.29% | -30.18% | -16.39% | -12.19% | -1,276 bps | |
| Net Interest Margin | 6.59% | 6.13% | 5.63% | 5.39% | 5.93% | 4.66% | 4.53% | 4.57% | -82 bps | |
| Efficiency Ratio | 68.77% | 77.55% | 95.76% | 92.18% | 101.73% | 104.51% | 106.60% | 108.46% | +1,629 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.32% | 10.15% | -2.44% | -3.71% | -5.93% | -5.99% | -3.09% | -3.59% | +12 bps | |
| Loan Growth (YoY) | -5.24% | -14.84% | -13.85% | -16.36% | -17.23% | -15.95% | -0.08% | -2.86% | +1,350 bps | |
| Share Growth (YoY) | -8.88% | 11.69% | -2.95% | -4.72% | -5.64% | -4.07% | -0.84% | -0.83% | +390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 4.29% | 5.45% | 2.12% | 1.31% | 6.21% | 2.36% | 1.40% | -72 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 | 1.36% | 1.55% | 1.76% | 1.50% | 1.97% | 4.12% | 2.99% | 1.82% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.29% | 19.30% | 19.37% | 19.02% | 20.15% | 17.51% | 17.22% | 16.82% | -221 bps | |
| Net Worth / Assets | 20.29% | 19.30% | 19.37% | 19.02% | 20.15% | 17.51% | 17.22% | 16.82% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.69% | 73.55% | 71.09% | 70.38% | 77.80% | 64.44% | 71.63% | 68.94% | -145 bps | |
| Liquid Assets / Assets | 28.53% | 39.54% | 41.75% | 42.20% | 37.47% | 47.41% | 40.86% | 42.07% | -13 bps | |