Binghamton, NY · Cert 15957
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.83% | 0.97% | 0.96% | 0.96% | 1.14% | 0.95% | 1.05% | +9 bps | |
| Return on Equity | 10.78% | 9.84% | 12.28% | 12.26% | 12.35% | 14.42% | 11.79% | 12.78% | +52 bps | |
| Net Interest Margin | 3.87% | 3.90% | 3.85% | 3.56% | 3.43% | 3.44% | 3.27% | 3.15% | -41 bps | |
| Efficiency Ratio | 48.15% | 44.75% | 52.76% | 54.92% | 54.53% | 58.71% | 58.04% | 52.91% | -201 bps | |
| Non-Interest Burden | 1.57% | 1.08% | 1.75% | 1.69% | 1.60% | 1.80% | 1.65% | 1.40% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -1.70% | -0.02% | 4.77% | 5.22% | 8.62% | 7.92% | 1.40% | -337 bps | |
| Loan Growth (YoY) | -14.65% | -9.83% | 1.47% | 8.54% | 11.57% | 7.40% | 1.85% | -2.52% | -1,106 bps | |
| Deposit Growth (YoY) | -9.19% | -1.89% | -3.74% | -1.91% | 1.19% | 8.57% | 8.14% | 3.38% | +530 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 | 0.53% | 1.85% | 0.36% | 1.76% | 1.12% | 3.91% | 0.27% | -0.10% | -186 bps | |
| Allowance / Loans | 4.54% | 4.67% | 4.70% | 4.37% | 4.18% | 3.26% | 3.37% | 3.58% | -79 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 | 13.89% | 11.90% | 12.26% | 12.40% | 12.84% | 12.64% | 13.20% | 13.72% | +133 bps | |
| Equity / Assets | 8.97% | 7.81% | 7.93% | 7.79% | 7.83% | 7.91% | 8.25% | 8.24% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.45% | 91.35% | 94.87% | 95.41% | 97.52% | 90.37% | 89.35% | 89.97% | -545 bps | |
| Liquid Assets / Assets | 1.70% | 2.76% | 0.03% | 0.01% | 0.04% | 0.04% | 0.05% | 0.03% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |