PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Atlantic Employees

Newton Square, PA · Charter 1310

Q3 1999

$182.6MAssets
$156.2MLoans
$158.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, down 313 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.39% of loans (-7 bps YoY).
  • Funding: loans stand at 98.52% of shares as of Q3 1999.

Return on Assets (quarter, annualized)

0.87%-313 bps YoY

Net Interest Margin (quarter, annualized)

3.89%
n/a

Efficiency Ratio (quarter, annualized)

77.45%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.09%4.06%3.95%4.00%4.01%4.11%4.06%0.87%-313 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.89%n/an/a
Efficiency Ration/an/an/an/an/an/an/a77.45%n/an/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 / Loans0.65%0.77%0.56%0.46%0.59%0.53%0.49%0.39%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.56%0.51%0.48%0.49%0.48%0.46%0.45%-4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares85.62%89.05%96.39%100.28%93.57%90.89%93.00%98.52%-176 bps
Liquid Assets / Assets8.56%5.83%3.65%3.78%5.77%6.64%8.16%3.88%+10 bps