Lewiston, NY · Charter 21430
Q2 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.57% | 4.11% | 4.69% | 3.63% | 1.68% | -0.83% | -1.88% | -53.72% | -5,735 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 | n/a | -22.11% | -29.65% | -41.01% | -45.19% | -70.60% | -4,849 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -13.71% | -36.35% | -47.56% | -54.54% | -76.23% | -6,252 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -26.14% | -33.43% | -44.99% | -48.60% | -62.46% | -3,632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.01% | 5.07% | 6.35% | 11.22% | 16.15% | 29.98% | 37.91% | 13.39% | +217 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 | 1.07% | 1.29% | 1.50% | 1.90% | 5.63% | 4.54% | 3.95% | 0.00% | -190 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 | 105.96% | 96.75% | 116.20% | 101.94% | 101.31% | 92.24% | 102.77% | 64.56% | -3,739 bps | |
| Liquid Assets / Assets | 5.20% | 11.51% | 1.89% | 13.81% | 14.74% | 17.54% | 18.38% | 10.36% | -345 bps | |