Auburn, NY · Cert 15956
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.38% | 0.48% | 0.43% | 0.45% | 0.93% | 0.96% | 1.06% | +64 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.46% | 7.65% | 8.34% | n/a | |
| Net Interest Margin | n/a | 2.91% | 2.91% | 3.01% | 3.08% | 3.01% | 2.90% | 3.01% | +1 bps | |
| Efficiency Ratio | n/a | 72.44% | 68.65% | 72.52% | 70.62% | 57.17% | 55.07% | 53.83% | -1,868 bps | |
| Non-Interest Burden | n/a | 1.98% | 1.83% | 2.02% | 1.99% | 1.42% | 1.28% | 1.28% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.93% | 34.28% | 28.12% | 26.11% | -2.89% | 1.21% | 2.50% | -0.37% | -2,648 bps | |
| Loan Growth (YoY) | 35.94% | 33.51% | 26.58% | 22.23% | -8.00% | -11.43% | -11.12% | -10.70% | -3,294 bps | |
| Deposit Growth (YoY) | 27.74% | 26.31% | 24.85% | 22.24% | -3.30% | 3.38% | 6.35% | 1.96% | -2,028 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 | n/a | 0.25% | 0.23% | 0.21% | 0.29% | 0.34% | 0.37% | 0.41% | +21 bps | |
| Allowance / Loans | n/a | 0.85% | 0.89% | 0.95% | 1.02% | 1.05% | 1.10% | 1.16% | +20 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 | n/a | 11.40% | 12.07% | 11.50% | 11.50% | 10.52% | 11.49% | 12.26% | +76 bps | |
| Equity / Assets | n/a | 12.81% | 13.18% | 13.14% | 12.72% | 12.19% | 12.58% | 13.51% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.44% | 93.21% | 93.99% | 93.30% | 90.80% | 79.86% | 78.55% | 81.71% | -1,159 bps | |
| Liquid Assets / Assets | 0.00% | 0.03% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |