Hanover, PA · Charter 16800
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.90% | 4.78% | 2.67% | 3.56% | 4.23% | 4.61% | 4.33% | 4.00% | +44 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 | 12.41% | 35.09% | 9.95% | 1.76% | 11.07% | 0.80% | -3,429 bps | |
| Loan Growth (YoY) | n/a | n/a | -1.00% | -5.04% | -0.89% | -14.02% | -24.67% | 1.61% | +665 bps | |
| Share Growth (YoY) | n/a | n/a | 9.59% | 40.29% | 7.42% | -2.72% | 7.58% | -4.15% | -4,444 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.00% | 0.35% | 0.36% | 0.59% | 0.00% | 0.19% | 0.45% | +9 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 | 1.48% | 1.00% | 0.94% | 0.97% | 0.99% | 0.55% | 0.59% | 0.45% | -52 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 | 59.18% | 50.29% | 53.84% | 44.04% | 54.60% | 44.44% | 37.70% | 46.68% | +264 bps | |
| Liquid Assets / Assets | 46.39% | 54.62% | 56.81% | 55.94% | 53.81% | 59.90% | 62.93% | 61.51% | +557 bps | |