Shirmanstown, PA · Charter 13575
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.30% | 5.94% | 5.58% | 6.02% | 5.47% | 4.88% | 1.00% | 2.53% | -348 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 | 2.76% | 3.81% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 61.90% | 34.39% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.28% | 5.25% | 13.50% | 15.88% | 20.28% | 20.68% | 13.56% | 6.67% | -921 bps | |
| Loan Growth (YoY) | 10.29% | 8.72% | 19.79% | 23.63% | 5.84% | 0.42% | -12.36% | -29.54% | -5,317 bps | |
| Share Growth (YoY) | -5.09% | 0.98% | 11.45% | 14.06% | 19.72% | 20.93% | 12.59% | 7.35% | -671 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.80% | 0.37% | 0.48% | 1.10% | 2.01% | 1.86% | 3.68% | +320 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 | 4.05% | 3.90% | 3.65% | 3.53% | 3.85% | 4.09% | 3.90% | 4.74% | +120 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 | 77.69% | 80.39% | 80.80% | 79.98% | 68.68% | 66.76% | 62.89% | 52.50% | -2,748 bps | |
| Liquid Assets / Assets | 35.55% | 34.21% | 33.92% | 34.45% | 41.93% | 45.49% | 47.24% | 54.56% | +2,012 bps | |