Poughkeepsie, NY · Charter 20644
Q2 2002
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.87% | 2.33% | 0.30% | 0.42% | 0.68% | 0.37% | -0.10% | -0.33% | -75 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.80% | 3.50% | -1.00% | -3.56% | n/a | |
| Net Interest Margin | n/a | n/a | 5.27% | 5.21% | 5.53% | 4.91% | 4.78% | 4.19% | -102 bps | |
| Efficiency Ratio | n/a | n/a | 91.56% | 93.21% | 89.70% | 93.60% | 101.86% | 106.76% | +1,355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.03% | 7.18% | 0.40% | -4.60% | -5.01% | -1.09% | 8.43% | 17.76% | +2,236 bps | |
| Loan Growth (YoY) | -18.46% | -19.86% | -22.50% | -0.53% | 9.20% | 5.98% | 9.77% | -4.05% | -352 bps | |
| Share Growth (YoY) | -2.74% | 8.23% | -0.31% | -6.00% | -6.71% | -2.48% | 8.90% | 19.78% | +2,578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.58% | 0.60% | 0.09% | 0.90% | 0.09% | 0.32% | 0.27% | +17 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 | 0.54% | 0.77% | 0.93% | 0.84% | 0.90% | 0.96% | 0.91% | 0.96% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.67% | 10.60% | 10.46% | 9.29% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.67% | 10.60% | 10.46% | 9.29% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.02% | 63.35% | 70.48% | 76.34% | 83.14% | 68.84% | 71.04% | 61.15% | -1,519 bps | |
| Liquid Assets / Assets | 30.64% | 28.48% | 0.00% | 18.67% | 14.92% | 31.82% | 29.77% | 38.15% | +1,949 bps | |