Jamestown, NY · Charter 10668
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | 0.07% | -0.05% | 0.23% | -0.02% | -0.12% | -0.18% | -0.19% | -43 bps | |
| Return on Equity | -0.37% | 0.55% | -0.38% | 1.69% | -0.13% | -0.89% | -1.36% | -1.43% | -312 bps | |
| Net Interest Margin | 1.53% | 1.92% | 1.58% | 1.79% | 1.56% | 1.65% | 1.38% | 1.32% | -46 bps | |
| Efficiency Ratio | 103.16% | 96.26% | 102.92% | 87.75% | 101.09% | 107.08% | 112.91% | 114.51% | +2,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.91% | -7.66% | -1.37% | -0.39% | -1.22% | 0.77% | 0.45% | -1.32% | -93 bps | |
| Loan Growth (YoY) | 11.31% | 4.68% | 3.21% | -13.32% | -14.86% | -12.99% | -18.82% | -18.05% | -473 bps | |
| Share Growth (YoY) | -10.12% | -8.62% | -1.39% | -1.35% | -1.41% | 0.95% | 0.63% | -0.33% | +103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.11% | 0.46% | 0.31% | 2.73% | 1.53% | 3.37% | 2.94% | +263 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 | 0.87% | 0.92% | 0.90% | 0.95% | 1.02% | 1.02% | 0.82% | 0.86% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.60% | 13.44% | 13.45% | 13.78% | 13.77% | 13.29% | 13.31% | 13.62% | -16 bps | |
| Net Worth / Assets | 13.60% | 13.44% | 13.45% | 13.78% | 13.77% | 13.29% | 13.31% | 13.62% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.76% | 41.90% | 42.92% | 41.29% | 38.65% | 36.11% | 34.63% | 33.94% | -734 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |