Wilkinsburg, PA · Charter 19828
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.71% | 3.17% | 4.48% | -6.16% | -0.94% | -0.87% | 0.29% | 5.06% | +1,122 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 | -28.49% | -45.28% | -30.51% | -27.71% | -23.37% | 15.15% | 18.22% | +4,873 bps | |
| Loan Growth (YoY) | n/a | -15.97% | -19.34% | -29.77% | -29.10% | -17.57% | -9.00% | -3.15% | +2,663 bps | |
| Share Growth (YoY) | n/a | -31.35% | -50.93% | -32.05% | -29.41% | -24.31% | 23.78% | 17.77% | +4,982 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.85% | 14.20% | 17.84% | 17.97% | 9.66% | 3.55% | 0.39% | 1.22% | -1,674 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 | 9.57% | 6.95% | 5.79% | 11.25% | 2.05% | 7.20% | 7.18% | 8.25% | -300 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 | 51.39% | 46.41% | 70.95% | 59.91% | 51.61% | 50.54% | 52.16% | 49.27% | -1,064 bps | |
| Liquid Assets / Assets | 39.18% | 41.72% | 24.93% | 24.38% | 24.28% | 42.56% | 41.78% | 39.94% | +1,556 bps | |