Jamestown, NY · Charter 18681
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.60% | -2.30% | -0.59% | -0.37% | -0.28% | -0.07% | 0.50% | 0.35% | +72 bps | |
| Return on Equity | -13.01% | -20.08% | -5.26% | -3.19% | -2.36% | -0.54% | 4.16% | 3.01% | +620 bps | |
| Net Interest Margin | 3.13% | 3.11% | 3.26% | 3.38% | 3.60% | 3.86% | 4.13% | 3.90% | +51 bps | |
| Efficiency Ratio | 84.10% | 103.86% | 100.81% | 102.09% | 99.27% | 89.36% | 71.03% | 82.17% | -1,991 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.59% | 5.55% | 5.78% | 1.05% | -7.23% | -8.54% | -4.48% | 1.86% | +81 bps | |
| Loan Growth (YoY) | -20.65% | -16.17% | -4.23% | 9.34% | 22.10% | 20.32% | 9.20% | 18.29% | +895 bps | |
| Share Growth (YoY) | 11.81% | 9.34% | 7.99% | 0.16% | -6.83% | -9.64% | -5.29% | 1.39% | +124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 3.57% | 2.51% | 1.64% | 0.00% | 0.69% | 2.44% | 1.35% | -29 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 | 0.67% | 1.52% | 1.14% | 1.09% | 0.22% | 0.54% | 0.82% | 1.95% | +86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.30% | 11.44% | 11.28% | 11.47% | 11.91% | 12.44% | 12.02% | 11.77% | +30 bps | |
| Net Worth / Assets | 12.30% | 11.44% | 11.28% | 11.47% | 11.91% | 12.44% | 12.02% | 11.77% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.67% | 64.28% | 68.97% | 74.96% | 79.51% | 85.59% | 79.52% | 87.45% | +1,249 bps | |
| Liquid Assets / Assets | 45.37% | 43.17% | 37.55% | 26.72% | 29.26% | 23.32% | 28.54% | 22.50% | -421 bps | |