Blue Bell, PA · Charter 3782
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.22% | 3.69% | 3.55% | 3.31% | 3.70% | 3.89% | 3.35% | -20 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -6.97% | -3.33% | -4.62% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.42% | -7.45% | -2.18% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -8.11% | -4.54% | -5.63% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 3.44% | 3.05% | 3.00% | 1.06% | 0.80% | 1.30% | 1.06% | -195 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.43% | 1.77% | 1.11% | 1.51% | 1.11% | 1.48% | -29 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 49.06% | 56.26% | 52.11% | 53.32% | 48.90% | 54.54% | 54.00% | +190 bps | |
| Liquid Assets / Assets | 24.25% | 12.15% | 13.89% | 21.04% | 13.99% | 19.93% | 19.52% | +563 bps | |