Mechanicsburg, PA · Charter 700
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.70% | 5.47% | 4.69% | 5.16% | 4.19% | 1.57% | 0.30% | 0.03% | -513 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.12% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.36% | 3.90% | 3.99% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 64.16% | 92.25% | 99.15% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.07% | -0.54% | 0.25% | 1.39% | 2.18% | 0.18% | -1.07% | -0.95% | -234 bps | |
| Loan Growth (YoY) | 3.26% | 1.68% | 5.51% | 2.65% | 0.77% | 2.71% | -4.34% | -16.06% | -1,872 bps | |
| Share Growth (YoY) | -1.55% | -6.38% | -5.02% | -3.37% | -1.63% | -3.99% | -4.86% | -3.57% | -20 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 0.52% | 1.50% | 2.22% | 2.15% | 1.41% | 4.04% | 8.08% | +586 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 | 0.62% | 0.63% | 0.61% | 0.66% | 0.69% | 0.68% | 0.71% | 0.79% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 28.78% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 28.78% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.86% | 103.80% | 102.26% | 112.69% | 100.26% | 111.04% | 102.82% | 98.08% | -1,460 bps | |
| Liquid Assets / Assets | 22.67% | 20.25% | 20.11% | 16.81% | 23.22% | 16.89% | 21.31% | 29.21% | +1,240 bps | |