Troy, NY · Charter 22555
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.20% | 3.06% | 2.24% | -0.03% | 0.06% | 0.58% | -0.79% | -0.92% | -89 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.50% | -5.57% | -5.86% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.33% | 4.80% | 6.18% | 5.07% | 6.06% | +73 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 97.15% | 96.52% | 85.92% | 96.83% | 92.82% | -434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.06% | 4.96% | 4.71% | -5.04% | -1.26% | -10.54% | -8.44% | -1.66% | +338 bps | |
| Loan Growth (YoY) | 7.85% | 2.00% | -10.42% | -12.16% | -10.86% | -10.61% | -3.69% | 1.98% | +1,414 bps | |
| Share Growth (YoY) | 1.49% | 4.69% | 4.54% | -6.46% | -1.58% | -12.90% | -9.75% | -1.45% | +501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 3.01% | 2.79% | 2.54% | 2.16% | 1.90% | 0.67% | 0.75% | -179 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 | 0.39% | 0.72% | 0.94% | 0.89% | 1.03% | 1.20% | 1.05% | 0.97% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 16.69% | 14.18% | 15.62% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 16.69% | 14.18% | 15.62% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.95% | 73.76% | 57.57% | 75.72% | 64.26% | 75.70% | 61.44% | 78.36% | +264 bps | |
| Liquid Assets / Assets | 28.98% | 32.29% | 46.53% | 15.48% | 8.87% | 35.37% | 45.93% | 32.45% | +1,696 bps | |