Kirkwood, NY · Charter 21325
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.68% | 2.93% | 2.74% | 3.08% | 2.54% | 2.76% | 2.47% | 2.84% | -24 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -4.04% | -7.85% | -5.79% | -6.41% | -8.52% | -1.98% | +587 bps | |
| Loan Growth (YoY) | n/a | n/a | 21.20% | 18.03% | 11.95% | 9.75% | 8.97% | 9.01% | -902 bps | |
| Share Growth (YoY) | n/a | n/a | -5.45% | -8.84% | -5.98% | -7.10% | -8.72% | -1.89% | +696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.96% | 0.70% | 0.96% | 1.00% | 1.03% | 0.87% | 0.40% | -56 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 | 1.35% | 1.04% | 0.87% | 0.73% | 0.88% | 0.73% | 0.99% | 0.88% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.90% | 53.71% | 51.64% | 59.50% | 58.22% | 63.45% | 61.65% | 66.11% | +661 bps | |
| Liquid Assets / Assets | 28.97% | 30.24% | 26.83% | 22.43% | 21.47% | 26.76% | 29.63% | 28.92% | +649 bps | |