Hatboro, PA · Charter 63322
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.97% | 2.72% | 2.36% | 2.72% | 1.30% | 0.65% | 0.82% | 1.04% | -169 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 | n/a | -26.69% | -15.11% | -28.86% | -21.84% | -28.06% | -47.55% | -3,244 bps | |
| Loan Growth (YoY) | n/a | n/a | -45.48% | -36.98% | -34.69% | -12.44% | 41.79% | -7.52% | +2,946 bps | |
| Share Growth (YoY) | n/a | n/a | -29.81% | -17.38% | -32.01% | -24.22% | -31.60% | -52.77% | -3,539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 1.78% | 0.00% | 1.78% | 0.00% | 0.00% | 0.21% | 2.59% | +81 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 | 1.08% | 1.45% | 0.32% | 1.45% | 0.94% | 0.94% | 1.06% | 1.27% | -18 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 | 53.46% | 44.45% | 40.02% | 44.45% | 51.35% | 51.35% | 82.97% | 87.03% | +4,258 bps | |
| Liquid Assets / Assets | 42.76% | 48.81% | 57.22% | 49.42% | 55.98% | 55.98% | 0.00% | 24.11% | -2,531 bps | |