Wilkes-Barre, PA · Charter 11337
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.08% | 3.61% | 4.31% | 4.29% | 3.81% | 3.89% | 3.64% | -66 bps | |
| Return on Equity | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -0.91% | 5.85% | 5.03% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 57.25% | 18.29% | -4.29% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -4.14% | 3.71% | 3.31% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 4.26% | 3.59% | 3.58% | 6.05% | 3.78% | 1.90% | 1.88% | -170 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.68% | 3.27% | 3.06% | 2.99% | 2.26% | 2.41% | 2.78% | -28 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 30.50% | 40.12% | 42.34% | 43.34% | 50.03% | 45.76% | 39.23% | -312 bps | |
| Liquid Assets / Assets | 70.36% | 63.42% | 61.92% | 61.75% | 56.52% | 56.18% | 63.67% | +175 bps | |