Sinking Spring, PA · Charter 9001
Q2 2000
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 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.54% | 5.57% | 5.48% | 5.15% | 5.18% | 4.71% | 1.57% | 1.04% | -411 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 | 3.08% | 3.35% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 52.22% | 66.99% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 7.75% | 7.02% | 6.02% | 4.47% | 2.31% | 1.24% | -1.75% | -777 bps | |
| Loan Growth (YoY) | 5.59% | 0.64% | -7.96% | -10.62% | -19.45% | -28.50% | -29.11% | -28.10% | -1,748 bps | |
| Share Growth (YoY) | 2.17% | 4.24% | 3.59% | 2.63% | 0.54% | -1.86% | -3.09% | -6.98% | -961 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.37% | 1.43% | 1.82% | 1.94% | 1.43% | 2.27% | 1.87% | 4.82% | +288 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 | 1.15% | 1.28% | 1.48% | 1.71% | 1.48% | 0.89% | 1.18% | 1.50% | -21 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 | 45.93% | 45.14% | 42.33% | 39.76% | 36.79% | 32.89% | 30.97% | 30.73% | -903 bps | |
| Liquid Assets / Assets | 13.03% | 14.38% | 17.06% | 32.45% | 15.66% | 24.53% | 55.18% | 16.66% | -1,580 bps | |