Ellenville, NY · Charter 63078
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.82% | 3.69% | 3.42% | 2.28% | 1.75% | 3.66% | 4.07% | 4.89% | +261 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 | 10.42% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 53.04% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.88% | -11.10% | -1.35% | -4.44% | -5.35% | 13.39% | 7.30% | 15.99% | +2,043 bps | |
| Loan Growth (YoY) | 10.94% | 1.88% | 2.67% | 10.64% | -0.02% | 17.36% | -0.35% | -1.71% | -1,235 bps | |
| Share Growth (YoY) | -4.27% | -7.31% | 1.11% | 0.23% | 2.25% | 12.07% | 10.39% | 14.02% | +1,379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.50% | 5.61% | 21.70% | 3.21% | 17.05% | 9.77% | 33.90% | 27.03% | +2,382 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 | 4.66% | 4.06% | 3.56% | 2.96% | 2.95% | 0.76% | 0.69% | 0.72% | -224 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 | 114.20% | 107.17% | 117.10% | 115.69% | 111.67% | 112.23% | 105.70% | 99.72% | -1,596 bps | |
| Liquid Assets / Assets | 12.62% | 4.31% | 4.05% | 3.68% | 11.14% | 7.94% | 4.20% | 7.62% | +395 bps | |