Romulus, NY · Charter 6523
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.42% | 5.15% | 4.56% | 4.86% | 4.62% | 3.82% | 4.03% | 3.67% | -119 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 | -21.41% | -20.98% | -20.81% | -22.83% | -23.49% | -19.34% | +164 bps | |
| Loan Growth (YoY) | n/a | n/a | -19.27% | -25.74% | -30.58% | -30.87% | -28.28% | -38.50% | -1,276 bps | |
| Share Growth (YoY) | n/a | n/a | -27.49% | -27.24% | -28.03% | -29.99% | -31.29% | -26.60% | +64 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.27% | 3.38% | 5.77% | 2.47% | 2.32% | 13.02% | 13.87% | 14.32% | +1,185 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 | 2.28% | 2.01% | 3.14% | 3.58% | 3.66% | 5.73% | 7.49% | 9.22% | +563 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 | 45.08% | 45.61% | 43.18% | 43.97% | 43.49% | 45.04% | 45.07% | 36.84% | -713 bps | |
| Liquid Assets / Assets | 47.10% | 62.08% | 64.97% | 63.22% | 66.87% | 66.89% | 58.54% | 61.99% | -123 bps | |