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P P & L Co. Harrisburg Div

Harrisburg, PA · Charter 2842

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

P P & L Co. Harrisburg Div

Harrisburg, PA · Charter 2842

Q4 2001

$4.5MAssets
$1.6MLoans
$3.6MShares
$824KNet Worth

Executive Summary

  • Earnings: ROA of -1.05%, down 206 bps year over year; NIM at 0.19%.
  • Asset quality: problem loans at 0.32% of loans (-76 bps YoY).
  • Capital: net worth / assets of 18.44%.
  • Funding: loans stand at 42.59% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-1.05%-206 bps YoY

Net Interest Margin (YTD, annualized)

0.19%-196 bps YoY

Efficiency Ratio (YTD, annualized)

646%+59,269 bps YoY

Net Worth / Assets

18.44%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets5.07%4.92%4.76%1.01%1.73%1.80%1.16%-1.05%-206 bps
Return on Equityn/an/an/an/an/a8.54%5.60%-5.70%n/a
Net Interest Marginn/an/an/a2.16%2.77%2.90%2.29%0.19%-196 bps
Efficiency Ration/an/an/a53.24%37.45%38.08%49.46%646%+59,269 bps
Growth
Asset Growth (YoY)10.42%14.09%19.44%16.37%13.27%12.31%9.67%12.86%-352 bps
Loan Growth (YoY)-23.15%-16.21%-17.03%-7.00%-0.23%4.94%8.50%22.21%+2,920 bps
Share Growth (YoY)9.91%13.52%20.88%17.37%13.22%11.54%8.23%18.50%+114 bps
Asset Quality
Delinquent Loans / Loans1.97%1.28%2.16%1.07%0.96%0.39%0.16%0.32%-76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.75%1.75%2.29%1.84%1.97%1.19%1.26%1.06%-78 bps
Capital
Risk-Based Capitaln/an/an/an/an/a21.03%20.68%18.44%n/a
Net Worth / Assetsn/an/an/an/an/a21.03%20.68%18.44%n/a
Liquidity & Funding
Loans / Shares45.49%44.68%40.20%41.30%40.08%42.03%40.30%42.59%+129 bps
Liquid Assets / Assets62.25%63.02%66.98%66.51%65.37%67.29%68.48%64.93%-158 bps