Rensselaer, NY · Charter 645
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.95% | 4.44% | 2.95% | 3.82% | 3.48% | 0.78% | 0.12% | -12.53% | -1,635 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -61.30% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.50% | 4.35% | 3.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 76.88% | 97.37% | 200% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.89% | 11.46% | -11.63% | -14.46% | -25.72% | -27.89% | -29.43% | -37.24% | -2,278 bps | |
| Loan Growth (YoY) | -17.81% | -6.81% | -17.49% | -22.67% | -11.45% | -32.82% | -41.44% | -52.90% | -3,023 bps | |
| Share Growth (YoY) | 20.93% | 12.09% | -15.00% | -18.83% | -31.74% | -34.72% | -37.52% | -38.51% | -1,968 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.22% | 5.34% | 5.40% | 8.21% | 5.27% | 4.57% | 11.86% | 17.46% | +925 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 | 2.79% | 2.73% | 2.32% | 3.49% | 3.73% | 4.93% | 6.85% | 31.08% | +2,759 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.45% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.45% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.32% | 62.49% | 66.44% | 66.13% | 71.76% | 64.31% | 62.27% | 50.66% | -1,548 bps | |
| Liquid Assets / Assets | 51.68% | 40.92% | 43.46% | 45.52% | 35.87% | 6.28% | 9.12% | 70.23% | +2,471 bps | |