Newton Square, PA · Charter 1310
Q3 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1999, the quarter ended September 30, 1999, 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.
Newton Square, PA · Charter 1310
Q3 1999
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 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.09% | 4.06% | 3.95% | 4.00% | 4.01% | 4.11% | 4.06% | 0.87% | -313 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 | n/a | 3.89% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 77.45% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.69% | 10.67% | 11.04% | 13.46% | 14.30% | 18.37% | 15.83% | 10.99% | -246 bps | |
| Loan Growth (YoY) | 17.24% | 24.75% | 30.70% | 32.18% | 20.34% | 15.55% | 11.48% | 8.22% | -2,396 bps | |
| Share Growth (YoY) | 14.69% | 10.80% | 6.53% | 8.44% | 10.10% | 13.22% | 15.54% | 10.15% | +172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.77% | 0.56% | 0.46% | 0.59% | 0.53% | 0.49% | 0.39% | -7 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 | 0.59% | 0.56% | 0.51% | 0.48% | 0.49% | 0.48% | 0.46% | 0.45% | -4 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 | 85.62% | 89.05% | 96.39% | 100.28% | 93.57% | 90.89% | 93.00% | 98.52% | -176 bps | |
| Liquid Assets / Assets | 8.56% | 5.83% | 3.65% | 3.78% | 5.77% | 6.64% | 8.16% | 3.88% | +10 bps | |