McKeesport, PA · Charter 3043
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.40% | 4.25% | 3.95% | 3.97% | 3.65% | 3.69% | 3.77% | 2.95% | -101 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -6.14% | -4.57% | 1.02% | 7.23% | 1.08% | 6.12% | 8.15% | +712 bps | |
| Loan Growth (YoY) | n/a | 39.30% | 28.60% | 10.54% | 4.29% | -21.03% | -23.94% | -23.38% | -3,392 bps | |
| Share Growth (YoY) | n/a | -16.13% | -9.60% | 2.97% | 8.22% | 15.32% | 19.13% | 9.45% | +648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.16% | 0.75% | 0.69% | 3.11% | 6.16% | 6.06% | 9.29% | +859 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 | 0.76% | 0.67% | 0.67% | 1.39% | 1.02% | 2.33% | 2.58% | 2.84% | +145 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.89% | 121.44% | 121.44% | 103.71% | 94.33% | 83.16% | 77.53% | 72.60% | -3,111 bps | |
| Liquid Assets / Assets | 7.31% | 1.38% | 1.38% | 1.43% | 1.40% | 0.00% | 0.00% | 28.90% | +2,747 bps | |