Allentown, PA · Charter 11055
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.98% | 2.62% | 2.77% | 2.22% | 2.56% | 1.96% | 1.72% | -104 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.83% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 51.70% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.22% | 12.75% | 24.25% | 25.82% | 27.17% | 13.20% | 14.87% | -2.32% | -2,814 bps | |
| Loan Growth (YoY) | 71.88% | 22.89% | -3.36% | -8.00% | 8.05% | -3.82% | -6.12% | -10.43% | -243 bps | |
| Share Growth (YoY) | 13.67% | 18.62% | 29.35% | 29.86% | 30.36% | 13.66% | 16.12% | -6.11% | -3,598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.64% | 18.59% | 16.64% | 15.38% | 11.22% | 15.42% | 11.09% | 9.16% | -621 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 | 3.52% | 3.56% | 2.13% | 2.27% | 1.85% | 2.10% | 4.28% | 3.45% | +118 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.59% | 69.33% | 57.41% | 57.42% | 59.34% | 58.66% | 46.42% | 54.78% | -264 bps | |
| Liquid Assets / Assets | 3.12% | 3.04% | 17.17% | 2.82% | 2.66% | 2.01% | 1.73% | 0.09% | -273 bps | |