Harrisburg, PA · Charter 2842
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.07% | 4.92% | 4.76% | 1.01% | 1.73% | 1.80% | 1.16% | -1.05% | -206 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 8.54% | 5.60% | -5.70% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.16% | 2.77% | 2.90% | 2.29% | 0.19% | -196 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 53.24% | 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 / Loans | 1.97% | 1.28% | 2.16% | 1.07% | 0.96% | 0.39% | 0.16% | 0.32% | -76 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 | 1.75% | 1.75% | 2.29% | 1.84% | 1.97% | 1.19% | 1.26% | 1.06% | -78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 21.03% | 20.68% | 18.44% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 21.03% | 20.68% | 18.44% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.49% | 44.68% | 40.20% | 41.30% | 40.08% | 42.03% | 40.30% | 42.59% | +129 bps | |
| Liquid Assets / Assets | 62.25% | 63.02% | 66.98% | 66.51% | 65.37% | 67.29% | 68.48% | 64.93% | -158 bps | |