Amherst, NY · Charter 797
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 2.29% | 1.95% | 2.86% | 1.97% | 2.38% | 0.02% | 2.12% | -74 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 | 4.71% | 7.41% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 99.59% | 73.43% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.93% | -8.21% | -12.08% | -16.14% | -15.66% | -6.82% | -2.45% | -12.79% | +335 bps | |
| Loan Growth (YoY) | -35.82% | -29.01% | -20.55% | -4.38% | -8.86% | -16.90% | -28.30% | -39.01% | -3,464 bps | |
| Share Growth (YoY) | -6.22% | -9.73% | -15.19% | -20.91% | -20.64% | -9.52% | -2.97% | -16.64% | +427 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 26.26% | 27.71% | 13.61% | 7.80% | 23.04% | 14.43% | 22.92% | 0.00% | -780 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 | 4.54% | 4.12% | 4.17% | 4.13% | 4.99% | 4.96% | 5.29% | 6.16% | +203 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 | 68.15% | 83.01% | 86.17% | 94.62% | 78.27% | 76.24% | 63.68% | 69.23% | -2,539 bps | |
| Liquid Assets / Assets | 36.26% | 36.43% | 31.53% | 30.83% | 31.42% | 31.64% | 0.00% | 52.15% | +2,132 bps | |