Perkasie, PA · Charter 16451
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.77% | 3.45% | 2.30% | 3.95% | 4.12% | -7.05% | -5.46% | 1.11% | -284 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 | 6.54% | 5.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 82.57% | 80.67% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.61% | -4.34% | -3.90% | -6.08% | -5.31% | -13.16% | -18.77% | -32.12% | -2,604 bps | |
| Loan Growth (YoY) | 2.17% | -1.96% | 19.35% | 5.70% | -1.86% | 1.59% | -22.74% | -30.34% | -3,604 bps | |
| Share Growth (YoY) | -9.51% | -5.53% | -3.49% | -6.39% | -5.65% | -8.78% | -16.07% | -30.68% | -2,429 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.29% | 9.64% | 9.15% | 9.67% | 11.01% | 7.82% | 12.24% | 18.30% | +863 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 | 2.10% | 1.77% | 3.15% | 3.38% | 1.89% | 6.41% | 7.79% | 8.69% | +531 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 | 98.80% | 89.07% | 101.40% | 103.31% | 102.77% | 99.21% | 93.33% | 103.82% | +51 bps | |
| Liquid Assets / Assets | 6.02% | 15.51% | 3.26% | 3.42% | 4.58% | 5.57% | 12.37% | 0.09% | -333 bps | |