Syracuse, NY · Charter 16244
Q4 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | -1.12% | -0.96% | 0.24% | 0.05% | 0.40% | 0.52% | 0.20% | -4 bps | |
| Return on Equity | n/a | n/a | -14.39% | 3.96% | 0.87% | 6.63% | 7.86% | 3.11% | -85 bps | |
| Net Interest Margin | 4.90% | 4.54% | 5.17% | 4.53% | 4.64% | 3.71% | 3.81% | 3.69% | -84 bps | |
| Efficiency Ratio | 77.25% | 86.50% | 88.48% | 81.63% | 78.81% | 83.32% | 81.92% | 84.40% | +277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.84% | 18.79% | 6.13% | 8.44% | 7.20% | 6.74% | 9.74% | -4.14% | -1,259 bps | |
| Loan Growth (YoY) | 17.93% | 15.60% | 10.51% | 2.46% | -10.89% | -16.47% | -27.09% | -31.65% | -3,411 bps | |
| Share Growth (YoY) | 20.65% | 22.88% | 7.19% | 10.92% | 9.91% | 4.57% | 10.39% | -4.83% | -1,575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.48% | 2.44% | 3.52% | 2.21% | 3.32% | 2.65% | 3.39% | 3.50% | +129 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 | 2.07% | 1.96% | 1.82% | 1.94% | 3.00% | 2.60% | 2.21% | 2.27% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 6.70% | 6.12% | 6.26% | 6.04% | 6.56% | 6.52% | +40 bps | |
| Net Worth / Assets | n/a | n/a | 6.70% | 6.12% | 6.26% | 6.04% | 6.56% | 6.52% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.72% | 66.40% | 75.55% | 64.12% | 60.58% | 53.04% | 49.90% | 46.05% | -1,807 bps | |
| Liquid Assets / Assets | 10.02% | 16.08% | 19.58% | 126.06% | 33.49% | 44.14% | 46.33% | 45.65% | -8,041 bps | |