PackageTrendsPeer
Letter portraitLegal landscape

Utica Observer-Dispatch Employees

Utica, NY · Charter 62666

Q2 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Utica Observer-Dispatch Employees

Utica, NY · Charter 62666

Q2 1999

$303KAssets
$173KLoans
$265KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.28%, down 408 bps year over year.
  • Asset quality: problem loans at 14.79% of loans (+1,163 bps YoY).
  • Funding: loans stand at 65.39% of shares as of Q2 1999.

Return on Assets (YTD, annualized)

-0.28%-408 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.04%3.59%3.91%3.80%3.89%3.91%3.75%-0.28%-408 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/a-5.32%-7.27%1.81%-3.97%-16.77%-15.13%-19.38%-2,119 bps
Loan Growth (YoY)n/a7.93%39.21%36.72%33.06%-4.07%-21.48%-39.78%-7,650 bps
Share Growth (YoY)n/a-8.32%-10.32%-0.21%-3.09%-17.71%-15.62%-19.91%-1,970 bps
Asset Quality
Delinquent Loans / Loans5.81%4.34%1.83%3.15%5.02%4.52%14.24%14.79%+1,163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.86%3.17%2.01%2.12%2.44%4.10%5.63%3.58%+145 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 / Shares68.10%88.09%91.84%86.96%93.49%102.69%85.46%65.39%-2,157 bps
Liquid Assets / Assets34.89%20.46%14.93%19.16%13.55%5.25%12.05%40.27%+2,111 bps