Oswego, NY · Cert 15978
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.46% | 0.80% | 0.72% | 0.59% | 0.60% | 0.64% | -0.38% | -110 bps | |
| Return on Equity | 5.73% | 4.01% | 8.09% | 8.88% | 7.40% | 7.29% | 7.84% | -4.63% | -1,350 bps | |
| Net Interest Margin | 3.37% | 3.24% | 3.43% | 3.38% | 3.31% | 3.37% | 3.38% | 3.61% | +23 bps | |
| Efficiency Ratio | 78.34% | 83.25% | 77.90% | 80.05% | 83.53% | 79.88% | 79.36% | 79.24% | -80 bps | |
| Non-Interest Burden | 2.34% | 2.46% | 2.40% | 2.44% | 2.55% | 2.42% | 2.38% | 2.60% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 4.66% | -0.23% | 5.19% | 3.07% | 1.91% | 5.60% | -3.56% | -876 bps | |
| Loan Growth (YoY) | 12.88% | 10.90% | 14.76% | 13.88% | 10.83% | 13.82% | 8.84% | 2.23% | -1,165 bps | |
| Deposit Growth (YoY) | -0.64% | 3.84% | 4.01% | 9.01% | 13.77% | 9.00% | 6.57% | -4.77% | -1,377 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 | 0.36% | 0.37% | 0.23% | 0.41% | 0.31% | 0.15% | 0.24% | 2.12% | +171 bps | |
| Allowance / Loans | 1.00% | 1.01% | 0.99% | 0.93% | 0.92% | 0.95% | 0.96% | 0.99% | +6 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 | 18.93% | 18.91% | 13.21% | 12.92% | 13.07% | 13.58% | 13.40% | 13.36% | +44 bps | |
| Equity / Assets | 11.66% | 11.44% | 8.24% | 7.93% | 8.07% | 8.26% | 8.12% | 8.52% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.51% | 80.42% | 81.18% | 80.97% | 82.32% | 83.98% | 82.91% | 86.91% | +594 bps | |
| Liquid Assets / Assets | 3.09% | 6.02% | 3.69% | 6.02% | 3.52% | 3.99% | 4.36% | 2.40% | -362 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |