Utica, NY · Charter 6850
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 | 3.09% | 4.67% | 3.11% | 1.54% | 2.22% | 2.24% | 2.32% | -30.96% | -3,251 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.66% | 4.72% | -70.18% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.01% | 4.84% | 4.92% | 5.87% | 7.64% | +262 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 69.41% | 54.01% | 54.55% | 62.44% | 122.67% | +5,327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -1.74% | -1.04% | 5.44% | 8.14% | 8.25% | 0.62% | -36.05% | -4,149 bps | |
| Loan Growth (YoY) | 16.39% | 1.40% | 4.90% | 11.04% | 22.84% | 21.08% | 8.74% | -24.68% | -3,572 bps | |
| Share Growth (YoY) | -13.37% | -12.52% | -7.50% | 3.80% | 6.94% | 9.15% | -6.27% | -34.86% | -3,866 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.12% | 3.70% | 1.69% | 6.91% | 6.24% | 13.69% | 14.07% | 14.63% | +772 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 | 10.96% | 7.59% | 5.19% | 4.96% | 4.51% | 4.49% | 6.34% | 27.63% | +2,267 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 47.96% | 49.12% | 44.12% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 47.96% | 49.12% | 44.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.90% | 105.14% | 108.25% | 114.35% | 114.75% | 116.63% | 125.59% | 132.22% | +1,787 bps | |
| Liquid Assets / Assets | 42.91% | 35.91% | 39.28% | 35.25% | 0.00% | 40.47% | 40.53% | 47.94% | +1,270 bps | |