Hoosick Falls, NY · Charter 19969
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.35% | -0.33% | -0.12% | -1.06% | -0.69% | -0.92% | -3.37% | -325 bps | |
| Return on Equity | -0.03% | -5.07% | -4.59% | -1.69% | -15.34% | -9.86% | -14.42% | -76.82% | -7,513 bps | |
| Net Interest Margin | 5.76% | 5.76% | 6.09% | 6.00% | 6.43% | 6.42% | 6.12% | 5.71% | -29 bps | |
| Efficiency Ratio | 98.05% | 100.15% | 102.41% | 101.17% | 100.41% | 98.91% | 101.22% | 106.77% | +560 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | 7.81% | -0.80% | -4.29% | -10.59% | -9.99% | 0.58% | 8.63% | +1,292 bps | |
| Loan Growth (YoY) | -0.50% | 7.52% | -1.59% | 3.57% | 6.99% | -3.71% | 4.80% | 2.52% | -106 bps | |
| Share Growth (YoY) | -1.69% | 8.82% | -0.56% | -4.67% | -10.09% | -9.76% | 1.50% | 11.83% | +1,650 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.35% | 4.80% | 5.17% | 4.67% | 4.11% | 5.29% | 5.36% | 3.25% | -142 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 | 0.20% | 0.48% | 0.66% | 0.31% | 0.16% | 0.07% | 0.40% | 0.55% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.22% | 6.93% | 7.21% | 7.16% | 6.89% | 7.01% | 6.37% | 4.39% | -278 bps | |
| Net Worth / Assets | 7.22% | 6.93% | 7.21% | 7.16% | 6.89% | 7.01% | 6.37% | 4.39% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.84% | 81.07% | 77.30% | 78.82% | 89.05% | 86.51% | 79.82% | 72.26% | -656 bps | |
| Liquid Assets / Assets | 20.48% | 114.37% | 18.49% | 0.00% | 99.87% | 0.00% | 96.87% | 0.00% | 0 bps | |