Scranton, PA · Charter 22352
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Scranton, PA · Charter 22352
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.64% | 4.57% | 4.29% | 2.36% | 2.78% | 3.25% | 3.46% | 0.27% | -210 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 14.78% | 11.41% | 0.71% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 7.32% | 6.86% | 7.74% | 8.27% | 7.53% | +21 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 55.98% | 59.78% | 58.19% | 61.00% | 91.62% | +3,564 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.03% | -13.81% | -3.48% | -2.39% | -14.63% | -7.52% | -37.63% | -48.87% | -4,648 bps | |
| Loan Growth (YoY) | -35.42% | -19.91% | 1.83% | -0.98% | -18.87% | -38.64% | -62.09% | -72.08% | -7,110 bps | |
| Share Growth (YoY) | -10.84% | -18.33% | -9.16% | -10.85% | -23.71% | -14.92% | -49.06% | -60.73% | -4,989 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.12% | 0.00% | 0.00% | 0.00% | 4.55% | 48.64% | +4,864 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 | 1.64% | 1.71% | 1.82% | 1.13% | 1.54% | 1.86% | 2.62% | 5.31% | +418 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 22.01% | 30.28% | 37.62% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 22.01% | 30.28% | 37.62% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.04% | 74.40% | 69.87% | 71.66% | 55.34% | 53.66% | 52.01% | 50.96% | -2,070 bps | |
| Liquid Assets / Assets | 41.03% | 31.52% | 37.28% | 34.07% | 35.09% | 56.39% | 61.64% | 66.17% | +3,210 bps | |