Syracuse, NY · Charter 6630
Q4 1998
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 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.40% | 3.43% | 2.35% | 2.93% | 0.72% | 2.18% | 3.19% | 3.05% | +12 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 | -17.37% | -20.75% | -14.92% | -11.94% | -8.23% | -1.05% | +1,970 bps | |
| Loan Growth (YoY) | n/a | n/a | -17.51% | -21.94% | -26.57% | -33.41% | -22.48% | -16.45% | +549 bps | |
| Share Growth (YoY) | n/a | n/a | -21.06% | -24.26% | -15.63% | -13.52% | -8.89% | -1.51% | +2,275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 1.32% | 0.65% | 0.13% | 0.31% | 0.47% | 0.86% | 0.44% | +32 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 | 0.60% | 0.53% | 0.53% | 0.08% | 0.37% | 0.30% | 0.40% | 0.21% | +13 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 | 61.24% | 65.71% | 62.89% | 63.68% | 53.30% | 50.60% | 53.51% | 54.02% | -966 bps | |
| Liquid Assets / Assets | 39.11% | 36.01% | 40.82% | 40.26% | 43.20% | 41.20% | 45.01% | 48.04% | +778 bps | |