Petrolia, PA · Charter 64193
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.28% | 3.91% | 4.14% | 3.47% | 0.74% | 0.17% | 0.66% | 0.32% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.90% | 2.33% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.06% | 4.74% | 5.63% | 4.48% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.80% | 96.40% | 88.44% | 93.51% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.57% | -12.10% | -6.80% | -3.94% | 1.81% | -2.98% | -16.42% | -18.34% | -1,440 bps | |
| Loan Growth (YoY) | -2.51% | -3.21% | -11.73% | -14.64% | -8.17% | -2.41% | -14.55% | -16.33% | -169 bps | |
| Share Growth (YoY) | -13.05% | -14.20% | -8.68% | -5.73% | 0.24% | -9.21% | -19.19% | -21.11% | -1,538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 0.68% | 0.44% | 0.13% | 2.13% | 0.79% | 0.00% | 0.00% | -13 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 | 1.49% | 1.47% | 1.56% | 1.64% | 1.80% | 1.62% | 2.46% | 2.81% | +117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 13.43% | 13.78% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.43% | 13.78% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.05% | 103.36% | 95.01% | 91.93% | 95.32% | 111.10% | 100.47% | 97.50% | +557 bps | |
| Liquid Assets / Assets | 5.41% | 7.21% | 10.47% | 0.00% | 0.00% | 0.11% | 5.09% | 16.44% | +1,644 bps | |