Lackawanna, NY · Charter 13650
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 | 3.05% | 3.49% | 3.10% | 3.37% | 2.61% | -0.14% | -0.39% | 0.23% | -313 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.54% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.65% | 4.23% | 4.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 90.82% | 100.86% | 93.12% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.48% | -7.73% | -1.64% | -3.05% | 0.63% | 1.29% | -4.12% | -7.13% | -408 bps | |
| Loan Growth (YoY) | 34.37% | 44.12% | 20.93% | -0.86% | 1.93% | -3.95% | 1.16% | 1.79% | +264 bps | |
| Share Growth (YoY) | -3.94% | -10.02% | -3.20% | -4.51% | -0.30% | 1.78% | -4.16% | -7.63% | -313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.73% | 1.48% | 1.65% | 7.17% | 4.13% | 4.12% | 4.06% | +241 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 | 0.66% | 0.68% | 0.61% | 0.73% | 0.58% | 0.37% | 0.57% | 0.37% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.24% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.24% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.71% | 76.40% | 66.09% | 69.75% | 64.11% | 72.10% | 69.77% | 76.86% | +711 bps | |
| Liquid Assets / Assets | 14.85% | 8.25% | 21.52% | 12.77% | 17.94% | 23.32% | 8.17% | 1.69% | -1,108 bps | |