PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gen. Office & Lab (Goal) Employees

Schenectady, NY · Charter 5842

Q2 1998

$2.4MAssets
$1.7MLoans
$2.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.06%, up 253 bps year over year.
  • Asset quality: problem loans at 2.20% of loans (-3 bps YoY).
  • Funding: loans stand at 84.66% of shares as of Q2 1998.

Return on Assets (quarter, annualized)

4.06%+253 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.62%4.25%3.84%1.54%2.05%3.17%3.39%4.06%+253 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-7.94%-9.79%-8.76%-6.52%-5.23%+271 bps
Loan Growth (YoY)n/an/an/a1.21%12.21%8.15%8.18%12.52%+1,131 bps
Share Growth (YoY)n/an/an/a-9.56%-11.53%-10.52%-7.45%-7.56%+200 bps
Asset Quality
Delinquent Loans / Loans0.73%2.30%2.68%2.24%2.64%2.58%1.17%2.20%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.34%1.02%0.72%0.70%0.85%1.95%1.08%1.58%+88 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.17%70.29%75.45%69.55%82.66%84.95%88.18%84.66%+1,511 bps
Liquid Assets / Assets3.15%34.83%4.16%18.30%22.81%25.34%10.66%23.76%+546 bps