Niagara Falls, NY · Charter 6255
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.81% | 0.68% | -1.02% | -1.12% | -1.86% | -0.95% | -12.09% | -1,107 bps | |
| Return on Equity | n/a | n/a | 2.53% | -3.88% | -3.92% | -6.74% | -3.28% | -45.93% | -4,205 bps | |
| Net Interest Margin | 5.63% | 5.71% | 6.07% | 5.99% | 5.77% | 4.00% | 4.47% | 5.63% | -36 bps | |
| Efficiency Ratio | 78.73% | 80.56% | 82.30% | 96.80% | 103.00% | 107.63% | 97.42% | 103.89% | +709 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.90% | -8.82% | -13.19% | -10.75% | -16.35% | -15.58% | -12.15% | -32.73% | -2,198 bps | |
| Loan Growth (YoY) | -16.73% | -15.12% | -22.27% | -25.75% | -26.20% | -40.79% | -36.35% | -40.44% | -1,470 bps | |
| Share Growth (YoY) | -12.11% | -11.86% | -18.45% | -14.35% | -21.14% | -18.19% | -14.48% | -32.36% | -1,802 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.34% | 2.39% | 2.16% | 2.02% | 8.52% | 9.74% | 14.20% | 14.93% | +1,291 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 | 1.91% | 2.23% | 1.12% | 1.65% | 2.57% | 3.74% | 4.28% | 27.14% | +2,549 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 26.97% | 26.35% | 28.55% | 27.52% | 28.81% | 26.33% | -2 bps | |
| Net Worth / Assets | n/a | n/a | 26.97% | 26.35% | 28.55% | 27.52% | 28.81% | 26.33% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.95% | 71.77% | 67.55% | 62.17% | 65.47% | 51.94% | 50.27% | 54.74% | -743 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 37.23% | 52.35% | 50.61% | 38.94% | 62.86% | 65.82% | +1,347 bps | |