Niagara Falls, NY · Charter 10721
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.19% | -0.04% | 0.17% | 0.54% | 0.20% | 0.55% | -2.65% | -282 bps | |
| Return on Equity | 0.01% | 0.69% | -0.15% | 0.66% | 2.05% | 0.77% | 2.18% | -11.85% | -1,251 bps | |
| Net Interest Margin | 4.49% | 4.87% | 4.33% | 0.56% | 4.43% | 1.29% | 3.67% | 0.38% | -18 bps | |
| Efficiency Ratio | 90.60% | 84.26% | 78.75% | 68.92% | 75.80% | 87.49% | 82.76% | 386% | +31,738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | -0.73% | 4.16% | 10.46% | 0.26% | 9.89% | 1.64% | 4.36% | -610 bps | |
| Loan Growth (YoY) | 26.07% | 27.29% | 15.26% | 13.36% | -2.20% | -8.85% | -11.08% | -15.59% | -2,895 bps | |
| Share Growth (YoY) | 1.88% | -2.55% | 4.87% | 13.56% | 0.01% | 12.69% | 1.22% | 8.58% | -498 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.98% | 2.07% | 0.81% | 0.71% | 0.51% | 0.72% | 0.54% | 0.65% | -6 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 | 1.31% | 0.89% | 0.90% | 0.77% | 0.98% | 1.21% | 1.00% | 0.74% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.77% | 27.07% | 24.94% | 25.25% | 26.19% | 25.21% | 25.37% | 22.36% | -289 bps | |
| Net Worth / Assets | 25.77% | 27.07% | 24.94% | 25.25% | 26.19% | 25.21% | 25.37% | 22.36% | -289 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.24% | 67.06% | 56.99% | 58.44% | 57.93% | 54.24% | 50.06% | 45.43% | -1,301 bps | |
| Liquid Assets / Assets | 50.83% | 47.02% | 10.56% | 49.27% | 52.26% | 13.68% | 12.95% | 15.71% | -3,356 bps | |