Ogdensburg, NY · Charter 19870
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.59% | 0.76% | 0.82% | 0.65% | 0.58% | 0.52% | 0.55% | -26 bps | |
| Return on Equity | 4.23% | 6.57% | 8.70% | 8.83% | 7.50% | 7.11% | 6.63% | 6.99% | -183 bps | |
| Net Interest Margin | 3.05% | 2.51% | 2.51% | 2.65% | 2.49% | 2.19% | 2.12% | 2.13% | -51 bps | |
| Efficiency Ratio | 85.43% | 77.55% | 71.25% | 70.75% | 75.46% | 75.13% | 74.16% | 73.48% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.27% | 46.77% | 71.16% | 38.72% | 40.37% | 21.59% | 19.95% | 25.63% | -1,309 bps | |
| Loan Growth (YoY) | 17.42% | 6.26% | 2.18% | 4.07% | 2.98% | 0.20% | 0.31% | 9.50% | +543 bps | |
| Share Growth (YoY) | 22.95% | 51.55% | 80.94% | 42.65% | 44.18% | 22.72% | 21.21% | 27.54% | -1,510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 1.02% | 0.83% | 1.57% | 0.80% | 2.49% | 1.64% | 2.17% | +60 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 | 1.11% | 0.36% | 0.37% | 0.38% | 0.16% | 0.10% | 0.13% | 0.12% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 9.00% | 8.75% | 9.26% | 8.72% | 8.14% | 7.87% | 7.93% | -134 bps | |
| Net Worth / Assets | 10.95% | 9.00% | 8.75% | 9.26% | 8.72% | 8.14% | 7.87% | 7.93% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.33% | 58.67% | 55.41% | 56.42% | 51.66% | 47.90% | 45.86% | 48.43% | -798 bps | |
| Liquid Assets / Assets | 34.88% | 45.36% | 48.33% | 47.56% | 51.41% | 54.53% | 45.86% | 43.59% | -397 bps | |