Lancaster, PA · Charter 65407
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.06% | 4.78% | 5.58% | 5.50% | 8.82% | 5.84% | 5.31% | 5.35% | -16 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 | n/a | n/a | -12.14% | 6.98% | 10.30% | 1.68% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 8.93% | 9.75% | 5.81% | 14.39% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -14.50% | 5.16% | 9.41% | 0.77% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.50% | 1.56% | 1.82% | 7.67% | 0.85% | 0.93% | 0.94% | -88 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% | 1.48% | 1.63% | 1.78% | 1.79% | 1.79% | 1.82% | 1.75% | -4 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 | 55.44% | 62.70% | 69.87% | 66.16% | 70.63% | 65.44% | 67.57% | 75.10% | +894 bps | |
| Liquid Assets / Assets | 21.75% | 13.13% | 28.90% | 0.93% | 27.62% | 14.08% | 14.97% | 11.48% | +1,055 bps | |