Binghamton, NY · Cert 15957
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.24% | 0.97% | 0.96% | 0.97% | 1.01% | 0.95% | 1.00% | +4 bps | |
| Return on Equity | 0.47% | 2.76% | 12.28% | 12.27% | 12.31% | 12.85% | 11.79% | 12.35% | +9 bps | |
| Net Interest Margin | 4.02% | 3.96% | 3.85% | 3.62% | 3.50% | 3.47% | 3.27% | 3.20% | -42 bps | |
| Efficiency Ratio | 49.38% | 48.14% | 52.76% | 53.83% | 54.06% | 55.20% | 58.04% | 55.51% | +168 bps | |
| Non-Interest Burden | 1.65% | 1.49% | 1.75% | 1.68% | 1.63% | 1.66% | 1.65% | 1.52% | -17 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 | 3.60% | 3.08% | 0.36% | 1.06% | 1.06% | 1.78% | 0.27% | 0.09% | -97 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 |