Catasauqua, PA · Charter 1498
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.42% | 3.16% | 3.61% | 3.57% | 4.06% | 3.84% | 3.62% | 0.03% | -354 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 | 3.47% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 77.83% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.17% | 0.29% | 7.01% | 2.93% | 1.72% | 2.51% | 6.05% | 15.30% | +1,237 bps | |
| Loan Growth (YoY) | -13.64% | -11.22% | 21.76% | 37.19% | 30.08% | 27.04% | 10.06% | -0.82% | -3,801 bps | |
| Share Growth (YoY) | -3.03% | -1.13% | 6.12% | 2.25% | 0.19% | 1.51% | 5.47% | 15.90% | +1,365 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.98% | 11.20% | 5.00% | 5.21% | 9.02% | 7.47% | 13.12% | 15.50% | +1,029 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 | 10.54% | 3.91% | 3.86% | 3.53% | 3.44% | 2.30% | 2.28% | 3.94% | +41 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 | 48.60% | 49.73% | 54.42% | 61.43% | 63.10% | 62.24% | 56.79% | 52.57% | -886 bps | |
| Liquid Assets / Assets | 55.37% | 54.33% | 50.02% | 36.96% | 41.67% | 41.86% | 44.78% | 47.82% | +1,086 bps | |