Westfield, NY · Charter 12130
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.26% | 0.35% | 0.47% | 0.26% | 0.20% | 0.05% | 0.27% | -19 bps | |
| Return on Equity | -2.74% | -1.76% | 2.50% | 3.37% | 1.87% | 1.44% | 0.37% | 1.87% | -150 bps | |
| Net Interest Margin | 2.24% | 2.42% | 2.72% | 2.75% | 2.96% | 2.89% | 2.68% | 2.91% | +16 bps | |
| Efficiency Ratio | 115.86% | 109.84% | 87.47% | 84.65% | 91.69% | 93.51% | 89.04% | 87.13% | +248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.61% | 15.89% | 10.20% | 6.58% | 2.81% | 7.34% | 5.25% | -4.87% | -1,145 bps | |
| Loan Growth (YoY) | 6.89% | -3.83% | -16.63% | 1.76% | 7.15% | 23.44% | 29.74% | 16.37% | +1,461 bps | |
| Share Growth (YoY) | 17.07% | 19.18% | 12.11% | 7.34% | 2.92% | 8.20% | 6.06% | -5.73% | -1,308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.79% | 0.69% | 0.75% | 1.54% | 1.64% | 4.21% | 4.51% | 4.19% | +266 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 | 0.29% | 0.30% | 0.32% | 0.30% | 0.27% | 0.25% | 0.22% | 0.04% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.23% | 14.51% | 14.20% | 13.83% | 14.08% | 13.72% | 13.62% | 14.63% | +81 bps | |
| Net Worth / Assets | 14.23% | 14.51% | 14.20% | 13.83% | 14.08% | 13.72% | 13.62% | 14.63% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.17% | 45.32% | 41.82% | 42.82% | 48.07% | 51.70% | 51.15% | 52.86% | +1,004 bps | |
| Liquid Assets / Assets | 58.57% | 48.31% | 62.76% | 33.56% | 55.03% | 29.76% | 52.36% | 19.92% | -1,363 bps | |