Valley Forge, PA · Charter 68201
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.12% | 3.29% | 2.56% | 3.75% | 3.64% | 2.63% | -67 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | 7.34% | -7.19% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 10.45% | -4.06% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 7.06% | -7.69% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.16% | 1.63% | 1.52% | 2.53% | 2.11% | 2.21% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.92% | 1.14% | 1.44% | 1.23% | 1.41% | +49 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 68.11% | 68.93% | 64.27% | 69.29% | 70.26% | 71.64% | +271 bps | |
| Liquid Assets / Assets | 29.42% | 23.34% | 33.91% | 26.47% | 29.57% | 21.71% | -163 bps | |