New Brighton, PA · Charter 19271
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Brighton, PA · Charter 19271
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 3.83% | 2.83% | 0.61% | 1.07% | 0.99% | 0.23% | -0.18% | -79 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.52% | 1.26% | -1.03% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.70% | 3.91% | 3.86% | 4.15% | 3.78% | +8 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 83.95% | 73.60% | 73.52% | 86.30% | 98.94% | +1,499 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 10.82% | 14.13% | 10.91% | 10.19% | 7.44% | 0.02% | 4.29% | -662 bps | |
| Loan Growth (YoY) | -15.64% | -20.81% | -23.32% | -17.00% | -17.89% | 2.75% | -2.66% | -0.32% | +1,669 bps | |
| Share Growth (YoY) | -1.38% | 9.25% | 13.35% | 10.61% | 9.78% | 7.02% | -1.87% | 4.37% | -624 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 6.82% | 10.16% | 5.99% | 4.78% | 1.64% | 1.49% | 10.20% | +421 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 | 1.89% | 2.26% | 2.51% | 2.36% | 2.30% | 0.37% | 0.77% | 0.81% | -155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 17.85% | 18.29% | 17.57% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 17.85% | 18.29% | 17.57% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.93% | 75.77% | 63.93% | 69.86% | 68.01% | 72.74% | 63.42% | 66.72% | -314 bps | |
| Liquid Assets / Assets | 4.55% | 18.00% | 47.16% | 0.08% | 0.08% | 39.87% | 47.99% | 43.91% | +4,383 bps | |