Nanticoke, PA · Charter 24006
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.29% | 2.28% | 4.98% | 4.69% | 3.01% | 0.55% | 0.43% | 0.58% | -412 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.57% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 1.77% | 2.24% | 2.06% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 70.03% | 80.70% | 71.97% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.85% | 13.99% | 2.62% | 2.29% | 0.05% | 6.78% | 16.85% | 9.57% | +728 bps | |
| Loan Growth (YoY) | -23.31% | -14.59% | -22.70% | -34.46% | -33.29% | -36.57% | -26.43% | 4.20% | +3,865 bps | |
| Share Growth (YoY) | 13.73% | 13.08% | 0.08% | -0.11% | -2.11% | 5.24% | 17.17% | 8.99% | +911 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.24% | 0.44% | 0.44% | 0.13% | 0.00% | 0.00% | 0.00% | -44 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 | 0.55% | 0.48% | 0.56% | 0.71% | 0.82% | 0.86% | 0.88% | 0.68% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.82% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.82% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.68% | 37.27% | 31.54% | 28.60% | 23.64% | 22.47% | 19.80% | 27.34% | -126 bps | |
| Liquid Assets / Assets | 54.57% | 56.60% | 58.06% | 59.70% | 58.16% | 56.04% | 78.16% | 44.47% | -1,524 bps | |