Plains, PA · Charter 20388
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 | 4.44% | 0.95% | 2.74% | 4.18% | 4.23% | 3.97% | 4.21% | 3.84% | -34 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 | -0.63% | -0.12% | -1.19% | -6.47% | -14.46% | -11.27% | -24.14% | -2,294 bps | |
| Loan Growth (YoY) | n/a | 19.95% | 16.00% | 9.48% | -6.23% | -20.96% | -9.81% | -18.30% | -2,778 bps | |
| Share Growth (YoY) | n/a | -2.02% | -1.50% | -2.69% | -8.40% | -20.69% | -17.36% | -32.64% | -2,994 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.57% | 4.24% | 2.25% | 1.33% | 2.53% | 1.38% | 0.00% | 1.43% | +10 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 | 0.67% | 4.31% | 3.27% | 3.42% | 3.98% | 4.39% | 4.40% | 4.85% | +143 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 | 58.63% | 67.08% | 65.24% | 63.67% | 60.02% | 66.85% | 71.20% | 77.21% | +1,355 bps | |
| Liquid Assets / Assets | 46.53% | 41.10% | 41.55% | 46.22% | 50.32% | 47.88% | 44.94% | 43.78% | -244 bps | |