PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capitol District Transit Employees

Albany, NY · Charter 5670

Q2 2001

$779KAssets
$516KLoans
$604KShares
$174KNet Worth

Executive Summary

  • Earnings: ROA of 2.63%, up 3 bps year over year; NIM at 5.47%.
  • Asset quality: problem loans at 7.67% of loans (+535 bps YoY).
  • Capital: net worth / assets of 22.35%.
  • Funding: loans stand at 85.47% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

2.63%+3 bps YoY

Net Interest Margin (YTD, annualized)

5.47%

Efficiency Ratio (YTD, annualized)

59.72%

Net Worth / Assets

22.35%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets-0.13%2.20%2.53%2.60%0.77%0.46%-0.22%2.63%+3 bps
Return on Equityn/an/an/an/an/an/a-0.97%11.78%n/a
Net Interest Marginn/an/an/an/a5.62%6.50%7.44%5.47%n/a
Efficiency Ration/an/an/an/a87.13%66.00%84.90%59.72%n/a
Growth
Asset Growth (YoY)-1.97%-3.87%0.68%-9.84%-15.47%-16.88%-23.34%-13.59%-374 bps
Loan Growth (YoY)-21.92%-20.20%-10.83%-13.54%2.86%5.16%1.06%10.56%+2,410 bps
Share Growth (YoY)4.07%-1.18%5.64%-9.22%-17.79%-18.81%-26.19%-18.28%-906 bps
Asset Quality
Delinquent Loans / Loans2.28%17.02%6.89%2.32%3.84%2.06%5.90%7.67%+535 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.68%4.39%2.74%2.33%0.41%2.12%1.74%1.70%-63 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a22.31%22.35%n/a
Net Worth / Assetsn/an/an/an/an/an/a22.31%22.35%n/a
Liquidity & Funding
Loans / Shares62.66%59.12%66.60%63.18%78.39%76.58%91.19%85.47%+2,229 bps
Liquid Assets / Assets30.04%29.09%33.36%41.60%19.23%7.44%22.26%33.43%-817 bps