Syracuse, NY · Charter 6581
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 2.14% | 2.69% | 0.40% | 0.58% | 0.51% | -0.25% | 0.10% | -31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.08% | -3.76% | 1.46% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.87% | 4.83% | 4.92% | 4.67% | 4.66% | -21 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 88.21% | 86.36% | 86.31% | 87.48% | 85.24% | -297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 3.46% | 12.23% | 17.24% | 15.32% | 19.37% | 9.76% | 14.93% | -231 bps | |
| Loan Growth (YoY) | 71.39% | 90.68% | 97.93% | 76.25% | 31.52% | 21.00% | 19.33% | 0.97% | -7,528 bps | |
| Share Growth (YoY) | 3.99% | 13.08% | 15.32% | 20.26% | 16.45% | 12.70% | 10.72% | 15.68% | -458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.61% | 0.39% | 0.34% | 0.24% | 1.32% | 1.33% | 0.38% | +5 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 | 0.61% | 0.71% | 0.75% | 0.57% | 0.32% | 0.35% | 0.63% | 0.52% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.22% | 6.60% | 6.65% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.22% | 6.60% | 6.65% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.92% | 79.47% | 77.15% | 84.87% | 84.62% | 85.33% | 83.14% | 74.08% | -1,079 bps | |
| Liquid Assets / Assets | 18.03% | 8.86% | 11.70% | 4.68% | 1.04% | 11.72% | 14.77% | 22.58% | +1,789 bps | |