Rensselaer, NY · Charter 11061
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | 1.04% | -0.62% | 0.52% | -0.09% | -16.29% | -8.76% | -7.00% | -752 bps | |
| Return on Equity | -4.24% | 8.23% | -5.06% | 3.57% | -0.61% | -199.75% | -114.30% | -96.83% | -10,039 bps | |
| Net Interest Margin | 9.37% | 9.69% | 8.14% | 9.98% | 9.21% | 9.47% | 7.86% | 7.71% | -228 bps | |
| Efficiency Ratio | 80.37% | 67.86% | 85.82% | 72.84% | 76.91% | 70.45% | 79.50% | 88.53% | +1,569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.15% | 6.43% | -17.09% | -0.52% | 3.60% | 0.22% | 4.47% | 13.59% | +1,411 bps | |
| Loan Growth (YoY) | -9.90% | -24.16% | -10.89% | -25.68% | -13.38% | -10.87% | -15.59% | -2.77% | +2,291 bps | |
| Share Growth (YoY) | -31.73% | 7.77% | -18.43% | -0.79% | 4.32% | 5.31% | 10.05% | 23.47% | +2,426 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.74% | 19.13% | 19.52% | 9.89% | 9.45% | 1.58% | 6.23% | 6.85% | -304 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 | 16.56% | 12.41% | 13.64% | 2.17% | 2.89% | 3.51% | 5.15% | 6.59% | +442 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.57% | 12.59% | 12.34% | 14.65% | 13.98% | 8.16% | 7.66% | 7.23% | -742 bps | |
| Net Worth / Assets | 14.57% | 12.59% | 12.34% | 14.65% | 13.98% | 8.16% | 7.66% | 7.23% | -742 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.63% | 56.44% | 55.51% | 54.26% | 63.63% | 47.77% | 42.57% | 42.73% | -1,153 bps | |
| Liquid Assets / Assets | 43.93% | 55.70% | 56.85% | 53.67% | 45.53% | 30.12% | 61.39% | 61.85% | +818 bps | |