Alexandria, PA · Charter 11385
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.
Alexandria, PA · Charter 11385
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 | -1.36% | -3.21% | 3.64% | 4.29% | 3.96% | 1.81% | 1.66% | 1.57% | -272 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.04% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 7.75% | 7.11% | 7.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 73.16% | 78.16% | 75.04% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.05% | -9.82% | -16.48% | -18.13% | -10.26% | 5.33% | 5.30% | 1.68% | +1,981 bps | |
| Loan Growth (YoY) | 0.13% | -7.44% | -10.57% | -6.36% | -19.27% | -18.29% | -17.51% | -24.36% | -1,801 bps | |
| Share Growth (YoY) | 13.63% | -7.69% | -15.59% | -20.16% | -13.28% | 1.49% | 1.52% | -3.08% | +1,708 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.09% | 0.96% | 0.99% | 4.99% | 4.42% | 9.88% | 5.52% | 1.96% | -303 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 | 2.75% | 3.53% | 4.73% | 4.17% | 4.96% | 5.53% | 6.46% | 3.16% | -101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 31.06% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 31.06% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.27% | 112.70% | 98.17% | 115.83% | 83.11% | 90.73% | 79.77% | 90.39% | -2,543 bps | |
| Liquid Assets / Assets | 23.90% | 16.64% | 25.11% | 14.85% | 36.12% | 31.73% | 39.50% | 34.22% | +1,937 bps | |