Rochester, NY · Charter 63232
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 2.78% | 1.89% | 2.42% | 3.29% | 2.79% | 4.86% | 0.00% | -242 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 | n/a | -10.47% | -12.41% | -8.26% | -7.48% | 8.34% | -99.41% | -8,699 bps | |
| Loan Growth (YoY) | n/a | n/a | -46.37% | -53.36% | -63.30% | -78.74% | -76.41% | -100.00% | -4,664 bps | |
| Share Growth (YoY) | n/a | n/a | -13.84% | -16.99% | -18.21% | -15.98% | -0.37% | -100.00% | -8,301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.05% | 1.28% | 5.99% | 29.27% | 13.87% | 51.66% | 84.21% | n/a | n/a | |
| 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 | 0.56% | 0.30% | 0.40% | 0.55% | 0.76% | 9.26% | 11.35% | n/a | n/a | |
| 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 | 80.46% | 79.52% | 68.01% | 50.49% | 36.11% | 20.12% | 16.10% | n/a | n/a | |
| Liquid Assets / Assets | 42.85% | 44.19% | 55.75% | 58.87% | 74.94% | 86.82% | 89.29% | 0.00% | -5,887 bps | |