Bethlehem, PA · Charter 12027
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.59% | 4.94% | 4.77% | 5.42% | 4.87% | 4.15% | 0.60% | 0.76% | -467 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 | 2.31% | 2.08% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 74.02% | 63.90% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.68% | 7.19% | 5.34% | -1.81% | 0.32% | 4.72% | 8.12% | 7.01% | +882 bps | |
| Loan Growth (YoY) | 5.80% | 4.44% | 6.23% | 6.77% | -13.60% | -19.58% | -20.21% | -25.68% | -3,245 bps | |
| Share Growth (YoY) | 6.71% | 6.49% | 4.45% | -3.89% | -1.85% | 3.48% | 7.19% | 6.41% | +1,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.01% | 0.86% | 1.04% | 1.77% | 0.68% | 0.82% | 0.20% | -84 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 | 1.05% | 1.06% | 1.11% | 1.17% | 1.26% | 0.85% | 0.90% | 0.88% | -29 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 | 60.61% | 61.52% | 60.76% | 58.80% | 53.36% | 47.81% | 45.23% | 41.07% | -1,773 bps | |
| Liquid Assets / Assets | 43.04% | 43.07% | 45.84% | 48.00% | 52.86% | 56.47% | 59.07% | 62.77% | +1,477 bps | |