Zelienople, PA · Charter 11827
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.09% | 5.20% | 5.58% | 5.32% | 3.21% | 0.93% | -20.19% | -24.92% | -3,024 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 | 5.74% | 7.33% | 8.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 67.29% | 66.18% | 74.05% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 2.28% | -5.24% | -1.43% | 10.05% | 5.41% | -6.95% | -24.47% | -2,304 bps | |
| Loan Growth (YoY) | 29.13% | 23.12% | 17.64% | 5.82% | 9.67% | 8.14% | -1.39% | -7.91% | -1,373 bps | |
| Share Growth (YoY) | 6.43% | -0.52% | -8.74% | -5.71% | 8.06% | 2.91% | 0.76% | -6.97% | -127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 0.10% | 0.79% | 0.65% | 4.90% | 16.96% | 16.95% | 24.43% | +2,378 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 | 0.41% | 0.15% | 0.13% | 0.00% | 0.41% | 1.11% | 6.13% | 15.99% | +1,599 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -3.72% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -3.72% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.23% | 100.58% | 108.33% | 106.03% | 92.59% | 105.69% | 106.02% | 104.97% | -107 bps | |
| Liquid Assets / Assets | 15.91% | 0.72% | 0.00% | 0.00% | 10.83% | 0.00% | 0.00% | 6.61% | +661 bps | |