Meadville, PA · Charter 8856
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.33% | 3.37% | 2.87% | 3.40% | 2.97% | 3.71% | 3.68% | 3.74% | +34 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 | -0.30% | -7.67% | -7.94% | -8.11% | -6.98% | -0.62% | +704 bps | |
| Loan Growth (YoY) | n/a | n/a | 12.93% | -2.43% | -2.17% | 0.85% | -11.59% | -14.53% | -1,210 bps | |
| Share Growth (YoY) | n/a | n/a | 0.03% | -8.91% | -9.32% | -10.43% | -7.93% | -0.16% | +875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 1.42% | 1.40% | 0.79% | 0.68% | 1.04% | 0.33% | 1.30% | +51 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 | 1.38% | 1.53% | 1.73% | 0.41% | 0.85% | 0.92% | 0.42% | 0.71% | +30 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 | 79.56% | 75.24% | 77.91% | 84.74% | 85.83% | 84.71% | 74.81% | 72.55% | -1,220 bps | |
| Liquid Assets / Assets | 21.27% | 23.39% | 22.00% | 1.91% | 17.04% | 20.76% | 28.16% | 29.27% | +2,736 bps | |