Hazleton, PA · Charter 16965
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 4.22% | 4.30% | 3.26% | 4.09% | 3.60% | 3.65% | 3.26% | 0 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 | 16.43% | 7.91% | 9.72% | -4.38% | -4.21% | 0.59% | 6.35% | -338 bps | |
| Loan Growth (YoY) | n/a | 93.64% | 64.73% | 22.20% | 5.16% | -9.09% | -18.41% | -21.78% | -4,399 bps | |
| Share Growth (YoY) | n/a | 16.24% | 5.47% | 7.50% | -7.49% | -6.99% | -1.84% | 4.66% | -284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.20% | 1.88% | 0.68% | 0.11% | 0.19% | 0.26% | 0.76% | +8 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 | 0.55% | 0.56% | 0.62% | 0.95% | 0.58% | 0.85% | 0.69% | 0.58% | -37 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 | 77.82% | 80.10% | 89.78% | 84.56% | 88.46% | 78.28% | 74.63% | 63.20% | -2,136 bps | |
| Liquid Assets / Assets | 23.61% | 20.90% | 15.71% | 20.67% | 18.05% | 25.72% | 27.24% | 34.53% | +1,386 bps | |