Warsaw, NY · Cert 13298
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 1.02% | 1.33% | 1.33% | 0.28% | 1.17% | -1.53% | 1.63% | +30 bps | |
| Return on Equity | 11.60% | 15.29% | 20.43% | 19.78% | 3.98% | 17.02% | -22.97% | 24.29% | +452 bps | |
| Net Interest Margin | 4.06% | 3.72% | 3.61% | 3.92% | 3.96% | 3.93% | 3.64% | 3.76% | -15 bps | |
| Efficiency Ratio | 48.17% | 53.53% | 49.75% | 52.51% | 56.86% | 56.96% | 58.46% | 48.21% | -430 bps | |
| Non-Interest Burden | 1.55% | 1.70% | 1.36% | 1.66% | 1.92% | 1.91% | 1.82% | 0.81% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.84% | 11.13% | 9.41% | 5.85% | -0.98% | -1.35% | -4.64% | -3.76% | -961 bps | |
| Loan Growth (YoY) | 10.64% | 7.53% | 3.56% | -1.02% | -2.51% | -3.10% | -8.49% | -20.36% | -1,934 bps | |
| Deposit Growth (YoY) | 18.05% | 15.14% | 11.22% | 9.05% | -0.63% | -0.57% | -3.13% | -2.69% | -1,174 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.41% | 0.10% | 0.21% | 0.44% | 0.74% | 11.53% | 0.53% | +32 bps | |
| Allowance / Loans | 1.93% | 2.04% | 2.07% | 2.14% | 2.66% | 2.63% | 1.64% | 1.96% | -19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.16% | 10.29% | 10.54% | 11.04% | 10.97% | 11.18% | 10.86% | 12.57% | +152 bps | |
| Equity / Assets | 6.71% | 6.64% | 6.42% | 7.04% | 7.02% | 6.68% | 6.61% | 6.77% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.38% | 75.09% | 78.13% | 77.50% | 78.85% | 73.18% | 73.81% | 63.43% | -1,407 bps | |
| Liquid Assets / Assets | 2.72% | 2.51% | 2.04% | 1.82% | 2.03% | 1.85% | 1.76% | 1.56% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |