Wynnewood, PA · Charter 23954
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.83% | 5.42% | 6.63% | 4.14% | 6.03% | 4.64% | 1.73% | 2.48% | -165 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 | 10.40% | -11.53% | -17.78% | -15.02% | -4.34% | 25.22% | +3,675 bps | |
| Loan Growth (YoY) | n/a | n/a | 5.13% | -4.00% | 12.42% | 12.24% | 10.17% | 2.01% | +601 bps | |
| Share Growth (YoY) | n/a | n/a | 1.78% | -20.61% | -23.94% | -20.71% | -5.64% | 28.29% | +4,890 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 2.26% | 2.76% | 1.49% | 1.16% | 2.11% | 0.74% | 1.00% | -50 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 | 1.88% | 1.68% | 3.10% | 5.90% | 5.59% | 5.01% | 5.76% | 4.90% | -100 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 | 52.91% | 61.23% | 56.84% | 79.33% | 78.20% | 86.68% | 66.35% | 63.08% | -1,625 bps | |
| Liquid Assets / Assets | 40.27% | 34.67% | 34.45% | 18.98% | 18.60% | 18.56% | 16.46% | 15.94% | -304 bps | |