Eldred, PA · Charter 17213
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 2.88% | 1.91% | 2.85% | 3.27% | 3.59% | -5.02% | -2.52% | -537 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 | 6.76% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 134.67% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.37% | 9.37% | 7.26% | 11.80% | 20.45% | 11.09% | 0.57% | 16.21% | +441 bps | |
| Loan Growth (YoY) | 15.54% | 24.73% | 29.15% | 57.50% | 59.46% | 22.61% | 27.58% | 11.56% | -4,595 bps | |
| Share Growth (YoY) | 28.52% | 12.49% | 8.64% | 12.71% | 22.50% | 11.78% | 1.62% | 25.54% | +1,283 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 15.42% | 2.63% | +263 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 | 4.45% | 3.55% | 3.33% | 3.16% | 2.79% | 2.89% | 2.61% | 2.83% | -33 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 | 59.35% | 78.62% | 78.09% | 75.52% | 77.25% | 86.24% | 98.04% | 67.11% | -841 bps | |
| Liquid Assets / Assets | 9.65% | 11.60% | 11.17% | 9.26% | 9.13% | 10.15% | 10.75% | 0.53% | -872 bps | |