Bethlehem, PA · Charter 16148
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.53% | 3.91% | 3.81% | 4.02% | 3.01% | 3.22% | 4.97% | 5.06% | +104 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 26.54% | 8.37% | 17.22% | 6.33% | 5.34% | 0.02% | -835 bps | |
| Loan Growth (YoY) | n/a | n/a | 33.86% | 8.37% | -9.99% | -17.27% | -16.33% | -35.77% | -4,413 bps | |
| Share Growth (YoY) | n/a | n/a | 25.33% | 6.62% | 16.14% | 5.44% | 3.69% | -2.34% | -896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 0.99% | 0.99% | 1.05% | 0.43% | 0.06% | 0.81% | 14.01% | +1,296 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 | 5.90% | 4.67% | 5.49% | 5.10% | 5.31% | 5.27% | 5.84% | 8.43% | +333 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 | 78.69% | 80.22% | 67.00% | 73.36% | 60.99% | 62.94% | 54.06% | 48.25% | -2,511 bps | |
| Liquid Assets / Assets | 16.15% | 15.93% | 14.89% | 23.56% | 26.51% | 30.77% | 29.11% | 35.10% | +1,154 bps | |