Scranton, PA · Charter 15946
Q2 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.24% | 1.20% | 0.46% | -0.41% | 0.21% | 0.60% | 0.37% | -35.32% | -3,491 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.12% | -208% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 7.20% | 6.00% | 6.11% | -26.94% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.12% | 90.18% | 89.50% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.76% | -2.21% | -19.38% | -8.94% | -12.90% | -17.03% | -10.83% | -11.30% | -236 bps | |
| Loan Growth (YoY) | 44.60% | 40.33% | 18.11% | -23.77% | -11.39% | -24.26% | -36.99% | -37.44% | -1,367 bps | |
| Share Growth (YoY) | -12.46% | -4.23% | -20.56% | -10.03% | -11.19% | -19.96% | -11.86% | 9.27% | +1,929 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.10% | 14.73% | 11.30% | 6.27% | 5.98% | 4.53% | 15.19% | 8.41% | +214 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 | 3.01% | 3.02% | 4.35% | 1.08% | 2.45% | 1.79% | 3.80% | 4.59% | +350 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 33.35% | 17.01% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 33.35% | 17.01% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.74% | 73.66% | 79.96% | 60.13% | 83.55% | 69.70% | 57.16% | 34.43% | -2,570 bps | |
| Liquid Assets / Assets | 41.73% | 42.41% | 40.22% | 51.53% | 1.80% | 1.82% | 60.69% | 70.60% | +1,907 bps | |