Frazer, PA · Charter 64374
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.31% | 4.50% | 4.43% | 3.27% | 4.14% | 3.11% | 3.27% | 2.91% | -36 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 | -4.76% | -6.16% | 0.52% | -10.79% | -11.65% | -8.15% | -8.80% | -933 bps | |
| Loan Growth (YoY) | n/a | 5.92% | -0.28% | -10.89% | -24.20% | -28.65% | -33.30% | -36.30% | -2,540 bps | |
| Share Growth (YoY) | n/a | -7.27% | -8.64% | -0.66% | -13.24% | -13.44% | -10.20% | -10.57% | -991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 1.93% | 2.66% | 2.99% | 3.02% | 1.86% | 2.27% | 2.15% | -84 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 | 3.45% | 3.41% | 2.75% | 2.82% | 3.14% | 3.70% | 2.45% | 2.41% | -42 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 | 82.21% | 70.55% | 81.91% | 73.40% | 71.82% | 58.15% | 60.84% | 52.28% | -2,112 bps | |
| Liquid Assets / Assets | 17.84% | 28.15% | 18.49% | 10.60% | 23.79% | 31.19% | 10.13% | 36.70% | +2,610 bps | |