Easton, PA · Charter 11210
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Easton, PA · Charter 11210
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 2.44% | 1.93% | 2.06% | 2.01% | -0.64% | -0.67% | -0.18% | -224 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -2.13% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.99% | 2.72% | 2.53% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 89.39% | 129.35% | 107.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.22% | -13.33% | 5.74% | 3.55% | 5.89% | 7.97% | -4.72% | 3.04% | -51 bps | |
| Loan Growth (YoY) | -6.21% | -2.46% | 5.52% | 13.57% | 13.99% | 17.82% | 24.63% | 25.63% | +1,206 bps | |
| Share Growth (YoY) | -8.69% | -15.47% | 5.49% | 3.14% | 5.84% | 9.14% | -4.35% | 2.59% | -54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 1.80% | 1.77% | 1.79% | 2.37% | 2.16% | 1.75% | 27.67% | +2,589 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 | 0.95% | 0.78% | 0.63% | 0.52% | 0.50% | 1.79% | 1.42% | 0.92% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.49% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.49% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.95% | 61.61% | 52.56% | 58.90% | 57.02% | 66.51% | 68.48% | 72.12% | +1,323 bps | |
| Liquid Assets / Assets | 20.98% | 21.54% | 28.84% | 19.73% | 30.82% | 27.68% | 22.43% | 25.60% | +586 bps | |