Elmira, NY · Charter 12282
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -0.08% | -0.08% | -0.38% | -7.65% | -6.62% | -2.02% | -6.08% | -570 bps | |
| Return on Equity | 3.16% | -0.58% | -0.62% | -3.13% | -120.07% | -256% | -60.99% | -6318% | -631,452 bps | |
| Net Interest Margin | 3.77% | 3.55% | 3.29% | 2.90% | 2.91% | 3.09% | 3.31% | 3.48% | +58 bps | |
| Efficiency Ratio | 88.95% | 91.11% | 92.33% | 101.24% | 116.96% | 162.21% | 72.17% | 107.67% | +643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.53% | 12.02% | 12.52% | 13.48% | -1.95% | -8.92% | -15.60% | -21.60% | -3,508 bps | |
| Loan Growth (YoY) | 6.90% | 7.60% | 4.80% | 2.81% | -9.21% | -14.33% | -19.31% | -31.50% | -3,431 bps | |
| Share Growth (YoY) | 18.64% | 15.50% | 16.06% | 15.61% | 6.48% | 2.15% | -6.90% | -11.00% | -2,661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.10% | 1.37% | 10.24% | 10.27% | 8.99% | 12.73% | 2.90% | -734 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 | 0.45% | 0.49% | 0.43% | 0.33% | 3.71% | 6.75% | 6.05% | 1.27% | +95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.76% | 13.11% | 12.40% | 12.15% | 6.38% | 2.58% | 3.32% | 0.10% | -1,205 bps | |
| Net Worth / Assets | 13.76% | 13.11% | 12.40% | 12.15% | 6.38% | 2.58% | 3.32% | 0.10% | -1,205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.96% | 75.55% | 71.31% | 71.91% | 68.18% | 63.36% | 61.80% | 55.35% | -1,657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |