So. Glens Falls, NY · Charter 12962
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.35% | 3.78% | 3.34% | 3.82% | 3.22% | 1.08% | 1.40% | 2.49% | -133 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.62% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.45% | 3.80% | 5.07% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 69.09% | 63.46% | 51.14% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.01% | 4.98% | 9.83% | 14.32% | 6.42% | 9.57% | -2.01% | -6.52% | -2,084 bps | |
| Loan Growth (YoY) | 14.69% | 9.83% | 5.75% | -9.54% | -16.18% | -30.36% | -16.15% | -12.18% | -264 bps | |
| Share Growth (YoY) | -1.21% | 3.88% | 9.15% | 15.14% | 5.44% | 8.81% | -5.09% | -11.35% | -2,649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.82% | 0.53% | 0.57% | 0.59% | 0.70% | 0.90% | 0.83% | 0.81% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 21.44% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 21.44% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.18% | 50.97% | 38.97% | 42.19% | 35.92% | 32.62% | 34.43% | 41.80% | -39 bps | |
| Liquid Assets / Assets | 58.77% | 53.73% | 64.48% | 61.78% | 66.57% | 69.68% | 0.00% | 65.65% | +387 bps | |