Scranton, PA · Charter 20983
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 | 4.42% | 3.68% | 2.77% | 4.27% | 2.62% | 3.65% | 3.59% | 1.63% | -264 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 | -5.75% | -11.89% | -10.43% | -10.85% | -6.92% | -5.60% | -7.61% | +281 bps | |
| Loan Growth (YoY) | n/a | 22.82% | -7.67% | -24.24% | -24.95% | -33.43% | -22.99% | -20.65% | +359 bps | |
| Share Growth (YoY) | n/a | -10.64% | -15.68% | -14.47% | -12.96% | -8.71% | -8.42% | -7.68% | +679 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.70% | 8.32% | 9.31% | 7.44% | 5.63% | 6.38% | 6.63% | 6.50% | -95 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 | 3.15% | 4.05% | 6.56% | 4.59% | 4.11% | 4.46% | 4.68% | 3.95% | -64 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 | 70.33% | 84.75% | 73.91% | 64.74% | 60.65% | 61.79% | 62.15% | 55.65% | -910 bps | |
| Liquid Assets / Assets | 26.87% | 18.01% | 31.18% | 34.39% | 39.82% | 36.22% | 42.67% | 35.36% | +97 bps | |