Bangor, PA · Charter 22862
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Bangor, PA · Charter 22862
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | 1.99% | 4.67% | 4.91% | 3.48% | +493 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) | n/a | n/a | n/a | n/a | -16.99% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -52.66% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -22.32% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.92% | 4.97% | 4.94% | 5.86% | 12.51% | +460 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.48% | 9.21% | 9.81% | 12.79% | 21.04% | +1,257 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 | 54.70% | 56.19% | 60.97% | 57.49% | 33.33% | -2,137 bps | |
| Liquid Assets / Assets | 42.99% | 46.60% | 45.59% | 52.43% | 49.90% | +691 bps | |