McKeesport, PA · Charter 60626
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.10% | 4.04% | 3.93% | 0.16% | 0.21% | 0.11% | 0.82% | 0.43% | +28 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.77% | 5.55% | 2.90% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.83% | 2.74% | 3.25% | 3.54% | 4.38% | +155 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 94.55% | 92.36% | 89.74% | 78.01% | 65.48% | -2,907 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 3.12% | -2.36% | -4.35% | -1.62% | -11.19% | -5.42% | -3.56% | +78 bps | |
| Loan Growth (YoY) | 47.01% | 39.46% | 24.13% | 8.79% | 12.21% | 30.40% | 24.61% | 9.92% | +113 bps | |
| Share Growth (YoY) | 1.77% | 2.09% | -4.01% | -5.41% | -2.17% | -13.08% | -7.01% | -3.17% | +224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.12% | 1.11% | 3.60% | 3.55% | 0.99% | +87 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 | 1.30% | 1.32% | 1.23% | 1.22% | 0.84% | 1.25% | 1.21% | 0.78% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 14.83% | 14.82% | 14.89% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 14.83% | 14.82% | 14.89% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.29% | 34.84% | 39.08% | 40.36% | 40.48% | 52.26% | 52.37% | 45.81% | +546 bps | |
| Liquid Assets / Assets | 32.62% | 37.78% | 29.23% | 20.91% | 27.16% | 20.02% | 34.63% | 49.78% | +2,888 bps | |