Lackawanna, NY · Charter 11730
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.99% | 2.81% | 4.37% | 2.48% | 0.30% | 0.51% | 0.28% | -408 bps | |
| Return on Equity | n/a | n/a | 10.49% | 15.14% | 8.79% | 1.10% | 1.79% | 1.66% | -1,348 bps | |
| Net Interest Margin | 4.54% | 4.88% | 4.42% | 3.95% | 2.91% | 2.32% | 2.31% | 2.16% | -179 bps | |
| Efficiency Ratio | 50.98% | 59.27% | 48.96% | 70.53% | 68.21% | 86.90% | 78.07% | 86.84% | +1,631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | 3.67% | 1.91% | 1.46% | 3.20% | 8.56% | 5.20% | 5.94% | +449 bps | |
| Loan Growth (YoY) | -31.67% | 2.08% | -13.15% | -5.40% | 4.14% | -30.37% | -25.69% | -28.32% | -2,292 bps | |
| Share Growth (YoY) | 1.57% | -0.35% | -2.43% | -6.29% | -2.34% | 6.05% | 3.34% | 24.90% | +3,120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.16% | 6.60% | 4.14% | 4.25% | 3.94% | 2.50% | 1.82% | 3.99% | -26 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 | 4.11% | 2.65% | 4.39% | 2.50% | 1.63% | 2.00% | 2.07% | 2.04% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 26.80% | 28.86% | 28.22% | 27.61% | 28.30% | 17.15% | -1,171 bps | |
| Net Worth / Assets | n/a | n/a | 26.80% | 28.86% | 28.22% | 27.61% | 28.30% | 17.15% | -1,171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.85% | 80.76% | 73.14% | 71.10% | 64.89% | 53.03% | 52.59% | 40.81% | -3,030 bps | |
| Liquid Assets / Assets | 50.75% | 34.57% | 47.61% | 49.60% | 53.04% | 61.08% | 61.72% | 65.24% | +1,564 bps | |