Erie, PA · Charter 9946
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.42% | 0.47% | 0.69% | 0.98% | 1.27% | 1.32% | 1.27% | +57 bps | |
| Return on Equity | 4.24% | 3.75% | 4.34% | 5.92% | 7.67% | 10.62% | 11.13% | 10.07% | +415 bps | |
| Net Interest Margin | 5.13% | 5.06% | 5.26% | 5.70% | 6.20% | 5.58% | 5.48% | 5.54% | -16 bps | |
| Efficiency Ratio | 86.86% | 87.19% | 83.28% | 78.77% | 76.67% | 81.32% | 80.35% | 81.73% | +295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.94% | 15.83% | 20.41% | 16.19% | -4.98% | 3.71% | 1.71% | 3.96% | -1,223 bps | |
| Loan Growth (YoY) | 52.23% | 25.10% | 25.95% | 12.88% | 6.78% | 7.34% | -6.33% | -10.57% | -2,345 bps | |
| Share Growth (YoY) | 15.90% | 16.13% | 19.48% | 15.82% | -7.02% | 3.06% | -0.59% | 3.82% | -1,199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 1.93% | 1.97% | 1.83% | 2.76% | 2.79% | 1.82% | 2.41% | +58 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 | 0.88% | 0.68% | 0.74% | 0.75% | 0.96% | 0.84% | 0.84% | 0.48% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.00% | 11.12% | 10.72% | 11.67% | 12.75% | 11.93% | 11.83% | 12.56% | +90 bps | |
| Net Worth / Assets | 11.00% | 11.12% | 10.72% | 11.67% | 12.75% | 11.93% | 11.83% | 12.56% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.31% | 81.77% | 85.54% | 92.93% | 95.68% | 85.16% | 80.59% | 80.05% | -1,288 bps | |
| Liquid Assets / Assets | 20.76% | 24.85% | 19.42% | 14.77% | 12.92% | 21.34% | 24.33% | 23.65% | +888 bps | |