Emigsville, PA · Charter 64423
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 | 1.97% | 1.55% | -1.26% | 0.99% | 1.57% | 3.63% | 3.37% | 4.56% | +357 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 | -12.80% | -29.02% | -12.99% | -12.55% | 9.48% | 21.94% | +5,097 bps | |
| Loan Growth (YoY) | n/a | n/a | -12.85% | -0.75% | -0.51% | -9.48% | 2.33% | 11.23% | +1,197 bps | |
| Share Growth (YoY) | n/a | n/a | -12.30% | -24.71% | -11.99% | -12.73% | 8.74% | 13.72% | +3,843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.09% | 6.86% | 8.56% | 6.38% | 6.50% | 4.15% | 3.87% | 4.53% | -185 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 | 1.89% | 3.85% | 7.52% | 5.26% | 2.06% | 3.40% | 3.87% | 3.73% | -154 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 | 60.86% | 75.81% | 72.84% | 78.63% | 68.80% | 78.63% | 68.54% | 76.90% | -173 bps | |
| Liquid Assets / Assets | 41.17% | 24.24% | 25.90% | 18.27% | 29.57% | 16.19% | 28.79% | 0.01% | -1,825 bps | |