Carthage, NY · Charter 6873
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 3.51% | 5.58% | 5.91% | 5.25% | 5.57% | 5.63% | 5.84% | -7 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 | n/a | n/a | -5.33% | 1.51% | 8.30% | -0.60% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -23.74% | -16.59% | -1.59% | 3.94% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -10.83% | -4.33% | 3.15% | -6.25% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.79% | 3.35% | 3.78% | 1.35% | 2.71% | 1.42% | 1.37% | 2.15% | +80 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 | 4.83% | 6.59% | 6.99% | 8.69% | 8.88% | 7.44% | 7.72% | 8.56% | -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 | 69.57% | 73.64% | 72.43% | 63.01% | 59.50% | 64.20% | 69.09% | 69.86% | +685 bps | |
| Liquid Assets / Assets | 10.92% | 13.02% | 23.56% | 32.68% | 24.63% | 38.64% | 39.38% | 41.24% | +856 bps | |