West Point, NY · Charter 11775
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.48% | 3.75% | 0.96% | 0.96% | 0.94% | 0.85% | 0.79% | -40.87% | -4,183 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.13% | 8.53% | 7.77% | -20005% | n/a | |
| Net Interest Margin | n/a | n/a | 4.35% | 4.21% | 4.35% | 3.93% | 3.80% | -27.22% | -3,143 bps | |
| Efficiency Ratio | n/a | n/a | 81.80% | 81.83% | 83.17% | 81.60% | 81.99% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 8.29% | 3.65% | 8.76% | -2.08% | 6.79% | 9.02% | 2.98% | -577 bps | |
| Loan Growth (YoY) | 3.12% | 3.71% | 1.55% | 1.28% | 0.79% | -3.06% | -10.12% | -14.54% | -1,582 bps | |
| Share Growth (YoY) | 2.87% | 7.02% | 2.15% | 7.58% | -4.46% | 5.48% | 7.58% | 13.51% | +593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.84% | 0.98% | 0.82% | 0.98% | 0.78% | 0.99% | 0.88% | +7 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 | 1.33% | 1.25% | 1.09% | 0.99% | 0.82% | 0.82% | 0.82% | 0.70% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.28% | 9.99% | 10.22% | 0.20% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.28% | 9.99% | 10.22% | 0.20% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.28% | 65.58% | 69.40% | 61.12% | 67.81% | 60.27% | 57.98% | 46.02% | -1,510 bps | |
| Liquid Assets / Assets | 23.08% | 21.53% | 7.75% | 7.49% | 18.70% | 19.35% | 24.54% | 29.67% | +2,218 bps | |