PackageTrendsPeer
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Up State

Rome, NY · Charter 22983

Q1 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2000, the quarter ended March 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Up State

Rome, NY · Charter 22983

Q1 2000

$299.1MAssets
$215.3MLoans
$276.6MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.94%, down 314 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.35% of loans (+40 bps YoY).
  • Funding: loans stand at 77.84% of shares as of Q1 2000.

Return on Assets (YTD, annualized)

0.94%-314 bps YoY

Net Interest Margin (YTD, annualized)

4.16%

Efficiency Ratio (YTD, annualized)

73.48%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets3.68%3.86%3.64%4.08%4.36%1.25%1.00%0.94%-314 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a4.05%3.98%4.16%n/a
Efficiency Ration/an/an/an/an/a68.70%71.12%73.48%n/a
Growth
Asset Growth (YoY)4.86%5.38%11.00%10.37%11.16%17.55%11.66%9.70%-67 bps
Loan Growth (YoY)2.08%1.65%3.61%10.17%13.15%16.64%15.91%11.01%+83 bps
Share Growth (YoY)5.66%5.82%11.22%9.81%10.66%10.43%4.90%9.40%-41 bps
Asset Quality
Delinquent Loans / Loans0.96%1.08%0.99%0.95%1.24%1.26%1.38%1.35%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.91%1.91%2.09%2.03%1.96%1.93%2.02%2.00%-3 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares75.86%79.07%74.28%76.72%77.57%83.52%82.07%77.84%+112 bps
Liquid Assets / Assets17.96%18.31%17.17%7.33%10.13%5.52%5.48%6.17%-116 bps