Elmira, NY · Charter 15656
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.51% | 2.47% | 1.45% | 0.61% | 0.08% | 0.23% | -1.37% | -281 bps | |
| Return on Equity | 0.05% | 5.75% | 24.10% | 14.64% | 6.10% | 0.78% | 2.09% | -13.26% | -2,790 bps | |
| Net Interest Margin | 5.08% | 5.09% | 4.90% | 4.90% | 4.76% | 4.93% | 5.29% | 5.61% | +72 bps | |
| Efficiency Ratio | 99.92% | 91.06% | 87.42% | 87.04% | 88.05% | 98.46% | 95.98% | 122.32% | +3,528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.75% | -10.21% | -5.08% | -2.56% | -0.57% | -3.68% | -10.20% | -15.50% | -1,294 bps | |
| Loan Growth (YoY) | -18.61% | -10.54% | -13.54% | -13.90% | -14.30% | -16.50% | -14.17% | -17.04% | -314 bps | |
| Share Growth (YoY) | -12.02% | -8.42% | -7.21% | -4.31% | -2.31% | -5.42% | -11.08% | -15.92% | -1,161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 2.21% | 0.00% | 5.25% | 1.54% | 4.49% | 1.89% | 0.00% | -525 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 | 7.18% | 6.82% | 3.41% | 4.94% | 5.06% | 5.05% | 4.93% | 4.88% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.30% | 8.85% | 10.26% | 9.88% | 9.92% | 10.50% | 11.14% | 10.32% | +44 bps | |
| Net Worth / Assets | 8.30% | 8.85% | 10.26% | 9.88% | 9.92% | 10.50% | 11.14% | 10.32% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.72% | 54.66% | 50.64% | 47.03% | 43.62% | 48.25% | 48.88% | 46.41% | -62 bps | |
| Liquid Assets / Assets | 54.00% | 49.97% | 52.72% | 56.59% | 58.36% | 53.78% | 53.63% | 57.05% | +46 bps | |