Niagara Falls, NY · Charter 11661
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.89% | 3.95% | 4.15% | 4.22% | 3.96% | 4.20% | 3.06% | 0.08% | -414 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 | 3.27% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 97.45% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -5.38% | -6.78% | -7.10% | -4.48% | -1.61% | 3.44% | 0.64% | +775 bps | |
| Loan Growth (YoY) | 12.40% | 6.20% | 11.57% | 17.00% | 6.09% | 6.29% | -3.54% | -9.66% | -2,666 bps | |
| Share Growth (YoY) | -1.43% | -6.61% | -8.46% | -9.12% | -6.23% | -3.52% | 2.49% | -0.17% | +894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.36% | 0.29% | 0.09% | 0.91% | 0.92% | 0.65% | 1.15% | +106 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 | 1.02% | 1.21% | 1.27% | 1.71% | 1.54% | 1.01% | 1.16% | 1.34% | -37 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 | 46.30% | 48.52% | 55.40% | 55.44% | 52.38% | 53.46% | 52.14% | 50.17% | -527 bps | |
| Liquid Assets / Assets | 18.32% | 29.92% | 23.30% | 16.85% | 18.35% | 48.87% | 50.94% | 48.70% | +3,185 bps | |