Rome, NY · Charter 22983
Q1 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.68% | 3.86% | 3.64% | 4.08% | 4.36% | 1.25% | 1.00% | 0.94% | -314 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 | 4.05% | 3.98% | 4.16% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 68.70% | 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 / Loans | 0.96% | 1.08% | 0.99% | 0.95% | 1.24% | 1.26% | 1.38% | 1.35% | +40 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 | 1.91% | 1.91% | 2.09% | 2.03% | 1.96% | 1.93% | 2.02% | 2.00% | -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 | 75.86% | 79.07% | 74.28% | 76.72% | 77.57% | 83.52% | 82.07% | 77.84% | +112 bps | |
| Liquid Assets / Assets | 17.96% | 18.31% | 17.17% | 7.33% | 10.13% | 5.52% | 5.48% | 6.17% | -116 bps | |