Elmira Heights, NY · Charter 15476
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.70% | 0.67% | 0.69% | 0.68% | 0.72% | 0.79% | 0.82% | +13 bps | |
| Return on Equity | 6.60% | 7.81% | 7.53% | 7.46% | 7.33% | 8.02% | 8.66% | 8.65% | +119 bps | |
| Net Interest Margin | 3.99% | 3.87% | 3.85% | 3.94% | 3.91% | 3.82% | 3.91% | 4.06% | +12 bps | |
| Efficiency Ratio | 80.48% | 79.26% | 81.11% | 81.50% | 81.65% | 80.35% | 79.75% | 79.97% | -153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -0.56% | 3.59% | 5.47% | 9.31% | 7.80% | 6.82% | 6.41% | +94 bps | |
| Loan Growth (YoY) | 6.62% | 7.44% | 12.59% | 10.74% | 13.37% | 15.70% | 12.28% | 12.79% | +205 bps | |
| Share Growth (YoY) | -3.99% | -1.55% | 3.16% | 5.79% | 9.04% | 7.50% | 7.27% | 6.67% | +87 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.76% | 0.95% | 0.72% | 0.75% | 0.45% | 0.41% | 0.46% | -26 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 | 0.58% | 0.68% | 0.54% | 0.51% | 0.46% | 0.43% | 0.41% | 0.32% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.43% | 9.01% | 8.96% | 9.27% | 9.31% | 9.03% | 9.11% | 9.49% | +22 bps | |
| Net Worth / Assets | 9.43% | 9.01% | 8.96% | 9.27% | 9.31% | 9.03% | 9.11% | 9.49% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.50% | 46.02% | 47.84% | 50.09% | 51.47% | 49.53% | 50.08% | 52.97% | +288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |