York, PA · Charter 9240
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 | 4.07% | 4.08% | 3.80% | 3.75% | 3.35% | 0.31% | 0.62% | 0.58% | -317 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.31% | 3.54% | 3.70% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 87.93% | 83.45% | 85.49% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.08% | 2.56% | 6.54% | 13.39% | 22.39% | 21.01% | 17.40% | 10.38% | -301 bps | |
| Loan Growth (YoY) | -14.26% | -12.08% | -9.81% | 5.16% | 9.83% | 6.24% | 15.01% | 10.07% | +491 bps | |
| Share Growth (YoY) | 4.39% | 0.61% | 5.43% | 13.63% | 23.86% | 23.05% | 18.86% | 10.81% | -282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.00% | 0.00% | 0.11% | 0.11% | 0.00% | 0.00% | 0.96% | +86 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 | 0.29% | 0.22% | 0.24% | 0.25% | 0.53% | 0.43% | 0.39% | 0.38% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.67% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.67% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.08% | 56.41% | 52.36% | 55.83% | 47.95% | 48.70% | 50.67% | 55.46% | -37 bps | |
| Liquid Assets / Assets | 27.09% | 23.96% | 27.25% | 26.70% | 27.26% | 23.29% | 12.87% | 22.60% | -410 bps | |