Reading, PA · Charter 17170
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.54% | 2.68% | 3.11% | 2.88% | 3.06% | 2.27% | 0.07% | 0.18% | -270 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 | 4.46% | 4.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 93.23% | 95.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.81% | -4.78% | 0.09% | -5.95% | -2.79% | -1.69% | 1.55% | 4.64% | +1,059 bps | |
| Loan Growth (YoY) | 1.90% | -8.63% | -7.85% | 4.71% | 3.70% | -2.14% | 3.83% | -5.96% | -1,067 bps | |
| Share Growth (YoY) | -9.99% | -5.41% | -0.52% | -8.13% | -4.63% | -3.17% | 0.69% | 4.56% | +1,269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.31% | 1.13% | 1.24% | 0.94% | 2.23% | 1.34% | 1.61% | 3.68% | +275 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 | 1.22% | 1.18% | 1.10% | 1.19% | 1.24% | 1.10% | 1.09% | 1.20% | +1 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 | 80.87% | 75.17% | 78.17% | 85.48% | 87.92% | 75.97% | 80.60% | 76.88% | -860 bps | |
| Liquid Assets / Assets | 20.10% | 27.45% | 26.07% | 20.47% | 18.99% | 27.45% | 16.73% | 28.08% | +761 bps | |