Washington, PA · Charter 22008
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.01% | 3.41% | 2.86% | 3.51% | 2.69% | 3.61% | 2.73% | 3.57% | +7 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 | n/a | 6.81% | 7.73% | 7.96% | -7.77% | 0.39% | -16.96% | -2,469 bps | |
| Loan Growth (YoY) | n/a | n/a | -1.41% | 15.05% | -8.93% | -4.00% | 4.40% | -28.39% | -4,344 bps | |
| Share Growth (YoY) | n/a | n/a | 5.32% | 6.43% | 7.24% | -11.87% | -1.55% | -22.66% | -2,909 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.90% | 0.00% | 3.14% | 2.06% | 0.00% | 3.12% | 7.83% | 0.00% | -206 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 | 2.43% | 1.89% | 2.82% | 3.56% | 2.98% | 4.50% | 6.34% | 0.59% | -296 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 | 44.36% | 46.21% | 39.76% | 51.43% | 37.68% | 50.34% | 42.16% | 47.62% | -381 bps | |
| Liquid Assets / Assets | 58.11% | 48.39% | 60.65% | 49.81% | 42.17% | 55.92% | 49.23% | 55.09% | +528 bps | |