Southampton, PA · Charter 60019
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 | 2.96% | 3.40% | 3.16% | -0.72% | -0.57% | 0.00% | 0.32% | -0.21% | +51 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.06% | 4.44% | -2.98% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.48% | 4.84% | 5.64% | 5.32% | 4.98% | +50 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 84.90% | 81.32% | 78.35% | 82.08% | 91.15% | +624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 5.45% | 0.76% | -8.05% | -16.10% | -29.77% | -32.68% | -27.50% | -1,945 bps | |
| Loan Growth (YoY) | -5.00% | -16.07% | -22.64% | -25.53% | -25.05% | -23.04% | -26.41% | -31.54% | -601 bps | |
| Share Growth (YoY) | 5.08% | 7.26% | 2.84% | -7.35% | -16.00% | -30.88% | -34.27% | -28.85% | -2,150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 2.19% | 1.53% | 1.70% | 0.90% | 1.36% | 2.21% | 2.49% | +79 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 | 2.06% | 1.87% | 1.87% | 2.07% | 2.23% | 2.45% | 2.92% | 2.61% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 6.92% | 7.30% | 7.05% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 6.92% | 7.30% | 7.05% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.97% | 65.40% | 61.50% | 64.61% | 66.00% | 72.82% | 68.86% | 62.17% | -244 bps | |
| Liquid Assets / Assets | 18.15% | 26.28% | 28.66% | 12.56% | 15.73% | 22.36% | 26.14% | 21.10% | +854 bps | |