Albany, NY · Charter 24619
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.55% | 3.79% | 3.40% | 4.88% | -2.21% | 6.29% | 4.55% | -0.26% | -514 bps | |
| Return on Equity | n/a | n/a | 56.15% | 58.96% | -29.48% | 60.32% | 49.24% | -3.30% | -6,226 bps | |
| Net Interest Margin | 0.10% | 3.86% | 3.21% | 2.68% | 1.03% | 2.90% | 2.32% | 2.57% | -11 bps | |
| Efficiency Ratio | 137.76% | 74.39% | 78.56% | 75.17% | 113.93% | 55.15% | 58.79% | 71.60% | -357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 282% | 29.79% | 8.29% | -5.11% | -16.58% | -29,851 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | 1067% | 366% | 12.68% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 370% | 27.89% | 8.12% | -5.75% | -16.77% | -38,628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | n/a | 0.00% | 0.00% | 0.00% | 8.33% | 39.06% | 51.61% | 64.96% | +6,496 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 | n/a | 0.00% | 0.00% | 0.00% | 1.87% | 12.95% | 13.68% | 21.27% | +2,127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 6.06% | 8.27% | 7.49% | 10.42% | 9.23% | 7.91% | -36 bps | |
| Net Worth / Assets | n/a | n/a | 6.06% | 8.27% | 7.49% | 10.42% | 9.23% | 7.91% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 1.43% | 3.09% | 9.80% | 17.65% | 15.49% | 15.27% | 13.27% | +347 bps | |
| Liquid Assets / Assets | 93.00% | 89.09% | 81.52% | 77.43% | 66.30% | 80.77% | 80.22% | 79.56% | +213 bps | |