New Kensington, PA · Charter 23960
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 | 3.13% | 3.64% | 2.89% | 4.85% | 3.98% | 4.05% | 4.03% | 3.46% | -139 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 | -28.29% | -11.38% | -14.17% | -5.20% | -15.27% | 1.72% | +1,309 bps | |
| Loan Growth (YoY) | n/a | n/a | 7.33% | -14.13% | 18.81% | -0.16% | -20.85% | -18.91% | -478 bps | |
| Share Growth (YoY) | n/a | n/a | -32.73% | -13.47% | -17.28% | -7.32% | -17.40% | 2.25% | +1,572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.00% | 0.00% | 0.00% | 0.00% | 2.72% | 0.81% | 1.19% | +119 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 | 4.41% | 4.84% | 4.38% | 2.32% | 1.83% | 2.17% | 2.48% | 2.86% | +55 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 | 76.19% | 87.71% | 88.00% | 81.07% | 109.44% | 94.48% | 84.32% | 64.30% | -1,677 bps | |
| Liquid Assets / Assets | 20.07% | 26.79% | 10.61% | 29.38% | 4.99% | 11.57% | 23.06% | 42.43% | +1,305 bps | |