Dannemora, NY · Charter 5264
Q4 1999
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.79% | 3.32% | 3.65% | 2.99% | 3.55% | 2.98% | 2.59% | -1.97% | -495 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 | 3.48% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 137.61% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.01% | -6.37% | -2.06% | 3.74% | 4.25% | 3.79% | 12.58% | -4.66% | -839 bps | |
| Loan Growth (YoY) | -12.89% | -17.69% | -8.91% | -6.63% | -0.59% | -5.02% | -13.25% | -22.94% | -1,631 bps | |
| Share Growth (YoY) | -13.81% | -7.88% | -3.54% | 3.06% | 2.74% | 3.82% | 14.91% | -2.76% | -582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.37% | 0.94% | 1.15% | 0.64% | 0.58% | 1.14% | 2.83% | 0.74% | +10 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 | 0.79% | 0.92% | 0.98% | 1.11% | 1.28% | 1.31% | 1.39% | 0.99% | -13 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 | 41.06% | 42.94% | 44.77% | 42.93% | 39.73% | 39.28% | 33.80% | 34.02% | -891 bps | |
| Liquid Assets / Assets | 58.34% | 56.89% | 54.98% | 57.27% | 60.74% | 59.52% | 64.66% | 60.48% | +321 bps | |