St. Albans, NY · Charter 21876
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 | 0.73% | 0.42% | 0.64% | -1.04% | -2.60% | -2.84% | -2.77% | -3.41% | -238 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 | -4.53% | 1.95% | -9.61% | -15.08% | -28.45% | -44.07% | -4,602 bps | |
| Loan Growth (YoY) | n/a | n/a | -18.47% | -14.92% | -18.76% | -9.99% | -13.14% | -23.23% | -832 bps | |
| Share Growth (YoY) | n/a | n/a | -5.97% | 1.90% | -8.36% | -13.36% | -27.25% | -44.30% | -4,620 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.23% | 8.73% | 9.78% | 7.26% | 6.03% | 4.55% | 5.43% | 4.28% | -299 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 | 4.03% | 6.33% | 7.68% | 4.96% | 5.80% | 4.71% | 5.15% | 4.93% | -3 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 | 58.43% | 56.13% | 47.44% | 52.72% | 51.80% | 58.31% | 56.64% | 72.66% | +1,994 bps | |
| Liquid Assets / Assets | 13.63% | 21.15% | 10.63% | 12.05% | 13.07% | 30.70% | 20.38% | 14.03% | +199 bps | |