Schenectady, NY · Charter 1798
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.84% | 4.18% | 3.13% | 4.62% | 3.59% | 1.25% | 1.62% | -4.57% | -918 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -17.89% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.88% | 5.43% | -2.66% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 75.23% | 71.07% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.49% | -1.49% | -6.98% | -2.09% | -8.98% | -2.31% | 3.67% | 2.50% | +459 bps | |
| Loan Growth (YoY) | -5.79% | -6.20% | -2.79% | -12.34% | -31.11% | -26.72% | -25.32% | -15.25% | -291 bps | |
| Share Growth (YoY) | -6.87% | -5.96% | -12.77% | -8.05% | -16.61% | -7.95% | -0.41% | 6.16% | +1,421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.01% | 5.63% | 4.46% | 6.32% | 2.90% | 3.73% | 7.76% | 1.11% | -521 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 | 9.70% | 9.96% | 9.51% | 4.50% | 3.64% | 3.92% | 4.79% | 2.14% | -236 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 25.53% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 25.53% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.68% | 83.99% | 87.30% | 78.63% | 65.82% | 66.86% | 65.46% | 62.77% | -1,586 bps | |
| Liquid Assets / Assets | 41.63% | 40.24% | 38.03% | 44.86% | 53.15% | 52.82% | 54.26% | 54.34% | +948 bps | |