Bethelehem, PA · Charter 24105
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.31% | 4.28% | 4.61% | 2.42% | 2.57% | 1.86% | -0.30% | 0.80% | -162 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -2.64% | 5.47% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.86% | 4.03% | 5.69% | 4.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 42.17% | 45.84% | 65.77% | 66.76% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 44.76% | 19.24% | 12.62% | 19.35% | 4.23% | 9.75% | 1.90% | -44.43% | -6,378 bps | |
| Loan Growth (YoY) | -7.77% | -23.96% | -23.07% | -22.61% | -19.36% | -5.15% | -9.30% | -4.90% | +1,770 bps | |
| Share Growth (YoY) | 46.43% | 18.12% | 14.48% | 19.96% | 4.69% | 11.26% | -0.56% | -51.74% | -7,170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 34.61% | 0.00% | 0.00% | 19.81% | 0.00% | 67.66% | 6.57% | 9.80% | -1,001 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 | 6.21% | 7.80% | 7.80% | 9.29% | 9.99% | 12.40% | 13.56% | 14.12% | +484 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.56% | 14.60% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.56% | 14.60% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.29% | 37.22% | 37.22% | 30.01% | 31.03% | 31.73% | 33.95% | 59.14% | +2,913 bps | |
| Liquid Assets / Assets | 63.85% | 65.09% | 65.09% | 57.92% | 62.77% | 65.76% | 73.04% | 57.97% | +6 bps | |