Macungie, PA · Charter 2955
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 | 3.28% | 3.69% | 1.22% | 2.23% | 1.80% | 0.12% | -0.12% | -2.27% | -449 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -11.21% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.58% | 5.10% | 5.97% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 87.52% | 94.15% | 89.31% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.52% | -2.43% | -9.96% | -12.30% | -10.11% | -8.28% | 0.43% | -14.63% | -233 bps | |
| Loan Growth (YoY) | -4.63% | -20.01% | -24.49% | -23.90% | -14.96% | -4.00% | 7.47% | 16.97% | +4,086 bps | |
| Share Growth (YoY) | -9.66% | -3.71% | -12.67% | -15.04% | -12.02% | -9.51% | -0.19% | -15.92% | -88 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.48% | 9.09% | 5.75% | 3.99% | 4.52% | 5.97% | 0.75% | 0.52% | -347 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 | 2.59% | 3.92% | 3.20% | 3.05% | 3.52% | 3.67% | 0.11% | 0.18% | -287 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.21% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.21% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.68% | 73.81% | 79.20% | 77.36% | 80.89% | 78.31% | 85.28% | 107.62% | +3,026 bps | |
| Liquid Assets / Assets | 25.65% | 31.87% | 33.49% | 28.55% | 27.84% | 4.56% | 7.30% | 12.08% | -1,646 bps | |