Scranton, PA · Charter 18345
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.77% | 2.79% | 3.21% | 3.67% | 1.44% | -1.46% | 2.00% | 2.27% | -140 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 | -23.39% | -30.60% | -30.07% | -37.44% | -43.91% | -36.08% | -548 bps | |
| Loan Growth (YoY) | n/a | n/a | 4.48% | 2.26% | -22.01% | -31.71% | -37.01% | -44.63% | -4,690 bps | |
| Share Growth (YoY) | n/a | n/a | -24.14% | -32.75% | -31.81% | -36.75% | -44.18% | -35.02% | -227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.43% | 5.77% | 5.70% | 4.98% | 7.92% | 11.14% | 4.94% | 8.56% | +358 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 | 4.46% | 4.54% | 3.54% | 2.84% | 4.12% | 10.52% | 4.61% | 3.66% | +82 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 | 48.39% | 54.48% | 50.21% | 60.47% | 55.35% | 58.83% | 56.67% | 51.53% | -894 bps | |
| Liquid Assets / Assets | 39.18% | 23.98% | 24.52% | 16.03% | 40.51% | 36.62% | 30.66% | 48.70% | +3,268 bps | |