Warren, PA · Charter 16031
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 | 5.04% | 3.55% | 4.25% | 3.09% | 0.01% | -0.45% | -0.77% | 0.18% | -291 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -4.84% | 1.13% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.42% | 1.61% | 2.45% | 2.53% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 88.60% | 122.42% | 87.69% | 94.25% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.15% | 14.83% | 19.89% | 16.71% | 23.47% | 22.66% | 14.45% | -1.18% | -1,789 bps | |
| Loan Growth (YoY) | 13.36% | -8.16% | -18.85% | -4.14% | -3.33% | -5.92% | -11.16% | -25.44% | -2,129 bps | |
| Share Growth (YoY) | 24.09% | 12.66% | 19.90% | 17.66% | 26.36% | 25.59% | 17.79% | -1.55% | -1,920 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.72% | 1.62% | 1.27% | 1.59% | 2.20% | 0.00% | 0.00% | -127 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 | 0.51% | 0.55% | 0.54% | 1.32% | 1.38% | 1.53% | 0.32% | 0.00% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 15.96% | 16.03% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 15.96% | 16.03% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.55% | 48.74% | 51.94% | 46.02% | 44.80% | 36.51% | 39.18% | 34.86% | -1,117 bps | |
| Liquid Assets / Assets | 20.26% | 36.81% | 38.88% | 34.11% | 34.93% | 32.71% | 66.78% | 69.44% | +3,533 bps | |