Aliquippa, PA · Charter 9505
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.38% | 4.28% | 4.16% | 0.53% | 0.90% | 0.88% | 0.98% | 0.37% | -16 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 9.99% | 10.84% | 3.90% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.73% | 3.27% | 3.14% | 3.20% | 3.42% | +69 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.63% | 72.34% | 74.17% | 69.92% | 89.27% | +864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.92% | 22.00% | 17.77% | 19.42% | 16.56% | 11.22% | 10.25% | 0.95% | -1,847 bps | |
| Loan Growth (YoY) | 10.27% | 10.03% | -2.04% | -0.34% | 13.48% | 10.82% | 4.80% | -7.96% | -762 bps | |
| Share Growth (YoY) | 20.30% | 21.63% | 17.36% | 19.44% | 16.34% | 10.66% | 9.72% | 0.11% | -1,934 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.87% | 0.22% | 2.80% | 4.80% | 4.10% | 4.62% | 6.89% | +408 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 | 0.23% | 0.24% | 0.26% | 0.25% | 0.26% | 0.63% | 0.22% | 0.71% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 8.86% | 9.03% | 9.49% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 8.86% | 9.03% | 9.49% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.82% | 48.00% | 47.56% | 46.72% | 49.57% | 48.07% | 45.43% | 42.96% | -377 bps | |
| Liquid Assets / Assets | 33.12% | 43.02% | 50.82% | 32.77% | 52.81% | 55.97% | 58.13% | 60.71% | +2,794 bps | |