Plains, PA · Charter 19868
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Plains, PA · Charter 19868
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.89% | 4.79% | 4.28% | 4.12% | 4.01% | -88 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.06% | 7.54% | 13.98% | 13.59% | 7.43% | +1,049 bps | |
| Loan Growth (YoY) | 68.96% | 36.68% | 10.70% | -29.26% | -46.84% | -11,580 bps | |
| Share Growth (YoY) | -5.50% | 6.10% | 12.90% | 11.45% | 4.35% | +985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.87% | 10.18% | 8.37% | 3.81% | 2.73% | -214 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.84% | 3.27% | 3.74% | 2.10% | 3.47% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.63% | 53.90% | 44.18% | 37.78% | 28.85% | -2,778 bps | |
| Liquid Assets / Assets | 50.23% | 56.42% | 64.80% | 68.53% | 76.18% | +2,595 bps | |