Warren, PA · Charter 8449
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.71% | 2.27% | 2.26% | 1.18% | 0.15% | 0.05% | 0.03% | -0.07% | -124 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.16% | -0.34% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.01% | 6.60% | 6.97% | 6.05% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 101.72% | 99.26% | 99.52% | 109.73% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.03% | -7.79% | -8.76% | -8.25% | -3.36% | -13.11% | -13.21% | -8.13% | +11 bps | |
| Loan Growth (YoY) | -21.90% | -27.72% | -23.02% | -12.12% | -1.56% | 16.67% | 2.18% | -14.13% | -201 bps | |
| Share Growth (YoY) | -12.45% | -9.40% | -10.77% | -9.43% | -4.28% | -16.31% | -16.46% | -10.35% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.69% | 1.73% | 5.49% | 3.72% | 2.50% | 1.93% | 1.99% | 0.40% | -332 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 | 2.34% | 2.66% | 2.71% | 2.54% | 1.23% | 1.64% | 2.02% | 0.68% | -186 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 21.42% | 19.69% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 21.42% | 19.69% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.71% | 78.55% | 87.98% | 92.23% | 93.29% | 109.50% | 107.61% | 88.35% | -389 bps | |
| Liquid Assets / Assets | 6.56% | 26.57% | 14.53% | 14.11% | 0.00% | 8.15% | 13.68% | 27.30% | +1,319 bps | |