Bensalem, PA · Charter 12866
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 | 4.14% | 1.88% | 3.09% | 4.34% | 4.62% | -0.56% | 3.32% | +23 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 | 3.96% | -17.50% | -22.43% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -25.07% | -38.14% | -56.87% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.38% | -25.64% | -32.25% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 3.24% | 3.24% | 0.99% | 17.93% | 7.59% | 10.23% | 10.90% | +990 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 | 2.95% | 2.95% | 0.21% | 0.42% | 0.55% | 9.18% | 1.94% | +173 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 | 78.39% | 67.39% | 72.73% | 76.01% | 58.97% | 56.06% | 46.30% | -2,643 bps | |
| Liquid Assets / Assets | 32.86% | 29.92% | 33.12% | 35.29% | 33.09% | 54.96% | 51.85% | +1,873 bps | |