Plattsburgh, NY · Charter 11015
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.72% | 0.73% | 0.83% | 0.69% | 0.75% | 1.02% | -3.91% | -473 bps | |
| Return on Equity | 1.44% | 2.90% | 2.88% | 3.16% | 2.58% | 2.84% | 3.83% | -23.45% | -2,661 bps | |
| Net Interest Margin | 2.95% | 3.16% | 3.23% | 3.37% | 3.30% | 3.49% | 3.71% | 3.12% | -25 bps | |
| Efficiency Ratio | 82.71% | 76.72% | 79.05% | 78.12% | 81.54% | 80.44% | 76.01% | 195.06% | +11,695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.90% | -6.58% | -6.00% | -7.44% | -6.44% | -3.00% | -2.11% | 0.50% | +794 bps | |
| Loan Growth (YoY) | -1.76% | -2.26% | 1.46% | 6.03% | -2.10% | -1.63% | -4.41% | -5.93% | -1,196 bps | |
| Share Growth (YoY) | -2.94% | -9.23% | -8.78% | -10.88% | -9.74% | -5.06% | -4.01% | 10.08% | +2,096 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 1.85% | 2.25% | 2.44% | 2.14% | 2.22% | 2.65% | 0.03% | -241 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 | 1.11% | 1.16% | 1.04% | 1.06% | 1.15% | 1.19% | 1.14% | 0.74% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.42% | 24.88% | 25.27% | 26.19% | 26.79% | 26.32% | 26.63% | 16.65% | -954 bps | |
| Net Worth / Assets | 24.42% | 24.88% | 25.27% | 26.19% | 26.79% | 26.32% | 26.63% | 16.65% | -954 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.04% | 36.36% | 38.38% | 40.34% | 40.17% | 37.68% | 38.22% | 34.48% | -587 bps | |
| Liquid Assets / Assets | 61.10% | 65.26% | 61.09% | 59.08% | 60.37% | 63.29% | 0.00% | 0.00% | -5,908 bps | |