Niagara Falls, NY · Charter 31
Q2 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.99% | 2.28% | 0.23% | 1.26% | 0.87% | -40.64% | 0.00% | -23 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 | n/a | -18.44% | -21.70% | -17.29% | -98.51% | -100.00% | -8,156 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -33.52% | -41.03% | -67.99% | -100.00% | -100.00% | -6,648 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -22.34% | -24.78% | -21.06% | -100.00% | -100.00% | -7,766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 23.05% | 45.51% | 26.82% | 27.46% | 43.90% | 93.22% | n/a | n/a | n/a | |
| 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 | 8.25% | 9.51% | 8.02% | 10.71% | 13.99% | 29.72% | n/a | n/a | n/a | |
| 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 | 25.91% | 25.23% | 31.32% | 23.62% | 20.31% | 10.23% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 73.61% | 78.93% | 73.45% | 75.95% | 82.92% | 84.58% | 0.00% | 0.00% | -7,595 bps | |