PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens NB of Malone

Malone, NY · Cert 7154

FDIC

Q4 2000

$112.6MAssets
$57.8MLoans
$89.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.52%, down 56 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.42% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

0.52%-56 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets0.92%1.04%1.06%1.08%1.03%0.76%0.80%0.52%-56 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)6.73%4.57%10.35%7.75%3.08%1.11%-3.19%-4.92%-1,266 bps
Loan Growth (YoY)-0.91%1.80%3.16%2.03%0.11%-2.90%-0.49%-3.58%-562 bps
Deposit Growth (YoY)7.61%1.88%4.91%-1.12%-4.73%-4.29%-4.70%-5.37%-426 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits59.45%62.53%60.04%63.22%62.47%63.43%62.68%64.42%+120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a