Utica, NY · Charter 62666
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.04% | 3.59% | 3.91% | 3.80% | 3.89% | 3.91% | 3.75% | -0.28% | -408 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 | -5.32% | -7.27% | 1.81% | -3.97% | -16.77% | -15.13% | -19.38% | -2,119 bps | |
| Loan Growth (YoY) | n/a | 7.93% | 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 / Loans | 5.81% | 4.34% | 1.83% | 3.15% | 5.02% | 4.52% | 14.24% | 14.79% | +1,163 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 | 2.86% | 3.17% | 2.01% | 2.12% | 2.44% | 4.10% | 5.63% | 3.58% | +145 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 | 68.10% | 88.09% | 91.84% | 86.96% | 93.49% | 102.69% | 85.46% | 65.39% | -2,157 bps | |
| Liquid Assets / Assets | 34.89% | 20.46% | 14.93% | 19.16% | 13.55% | 5.25% | 12.05% | 40.27% | +2,111 bps | |