Lakewood, NY · Charter 7694
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.46% | 4.33% | 4.69% | 4.39% | 4.72% | 3.82% | 3.93% | 2.98% | -141 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 | -0.90% | 0.81% | -1.32% | 0.03% | 1.43% | 4.60% | 14.96% | +1,628 bps | |
| Loan Growth (YoY) | n/a | 8.70% | 2.83% | -2.85% | -0.93% | 2.30% | -3.07% | -3.22% | -37 bps | |
| Share Growth (YoY) | n/a | -2.97% | -1.54% | -3.53% | -2.30% | -0.20% | 3.52% | 15.99% | +1,952 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.30% | 0.46% | 0.35% | 0.74% | 0.46% | 1.52% | 0.60% | +25 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 | 0.75% | 0.83% | 0.71% | 0.60% | 0.38% | 0.43% | 0.43% | 0.36% | -24 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 | 77.25% | 68.99% | 83.02% | 74.92% | 78.33% | 70.72% | 77.73% | 62.51% | -1,241 bps | |
| Liquid Assets / Assets | 20.45% | 22.81% | 12.79% | 12.69% | 10.87% | 15.49% | 20.96% | 31.69% | +1,900 bps | |