Olean, NY · Charter 60394
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.15% | 5.39% | 5.73% | 4.11% | 4.18% | 3.36% | 4.05% | -33.66% | -3,777 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 | -6.14% | -4.94% | 5.26% | 0.33% | -4.20% | -12.54% | -34.86% | -4,012 bps | |
| Loan Growth (YoY) | n/a | 37.99% | 15.55% | 28.67% | 28.23% | 1.57% | -17.77% | -32.96% | -6,163 bps | |
| Share Growth (YoY) | n/a | -6.52% | -8.29% | 4.12% | -0.57% | -7.33% | -14.10% | -25.77% | -2,989 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 0.56% | 5.91% | 8.35% | 11.12% | 18.03% | 16.70% | 21.86% | +1,351 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 | 2.04% | 1.75% | 4.09% | 3.85% | 4.46% | 4.08% | 0.77% | 20.43% | +1,659 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 | 84.62% | 99.39% | 104.04% | 106.32% | 109.13% | 108.94% | 99.60% | 96.02% | -1,030 bps | |
| Liquid Assets / Assets | 14.86% | 11.54% | 8.28% | 8.57% | 8.46% | 8.80% | 12.98% | 20.90% | +1,233 bps | |