York, PA · Charter 65382
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 3.53% | 5.13% | 3.55% | 3.83% | 3.68% | 3.90% | 3.35% | -20 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 | -8.40% | -11.03% | -6.50% | -3.65% | -10.64% | -9.21% | -5.29% | +120 bps | |
| Loan Growth (YoY) | n/a | -11.70% | -16.15% | -16.42% | -12.29% | -4.58% | -1.43% | -3.66% | +1,277 bps | |
| Share Growth (YoY) | n/a | -10.57% | -12.94% | -7.92% | -8.06% | -14.08% | -12.99% | -6.40% | +152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 1.68% | 2.66% | 0.90% | 1.02% | 0.55% | 0.97% | 0.54% | -36 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 | 3.47% | 3.35% | 3.91% | 4.23% | 4.54% | 4.44% | 4.43% | 4.57% | +34 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 | 51.55% | 43.87% | 47.44% | 47.28% | 49.18% | 48.72% | 53.74% | 48.67% | +139 bps | |
| Liquid Assets / Assets | 47.80% | 40.40% | 29.97% | 46.98% | 47.23% | 48.65% | 48.83% | 46.71% | -26 bps | |