Dexter, NY · Charter 12389
Q4 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.38% | 0.24% | 0.33% | -0.41% | -0.03% | 0.01% | -0.39% | -72 bps | |
| Return on Equity | 1.90% | 2.33% | 1.45% | 2.01% | -2.48% | -0.21% | 0.09% | -2.32% | -434 bps | |
| Net Interest Margin | 2.60% | 2.67% | 2.66% | 2.51% | 2.16% | 2.15% | 2.17% | 2.18% | -33 bps | |
| Efficiency Ratio | 85.68% | 86.69% | 90.88% | 87.38% | 118.88% | 101.59% | 99.33% | 109.11% | +2,173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.65% | 8.87% | 11.64% | 7.40% | 4.30% | 0.55% | -0.76% | -3.56% | -1,096 bps | |
| Loan Growth (YoY) | -8.02% | -13.48% | -12.34% | -27.59% | -28.92% | -17.59% | -5.70% | 5.69% | +3,328 bps | |
| Share Growth (YoY) | 11.12% | 9.29% | 13.31% | 8.56% | 4.80% | 0.53% | -0.97% | -3.83% | -1,239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 1.37% | 0.58% | 0.20% | 0.15% | 0.20% | 0.24% | 0.13% | -7 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 | 0.61% | 0.70% | 0.73% | 0.36% | 0.38% | 0.37% | 0.34% | 0.90% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.01% | 16.47% | 16.77% | 16.45% | 16.50% | 16.51% | 16.95% | 16.67% | +22 bps | |
| Net Worth / Assets | 17.01% | 16.47% | 16.77% | 16.45% | 16.50% | 16.51% | 16.95% | 16.67% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.00% | 41.46% | 40.36% | 35.45% | 33.91% | 33.99% | 38.43% | 38.96% | +351 bps | |
| Liquid Assets / Assets | 56.71% | 58.09% | 64.48% | 63.05% | 69.65% | 64.18% | 66.03% | 65.83% | +278 bps | |