Pine Bush, NY · Charter 20116
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | -0.11% | 0.07% | -0.04% | 0.07% | 0.05% | 0.38% | 0.34% | +39 bps | |
| Return on Equity | -3.66% | -1.16% | 0.69% | -0.57% | 0.77% | 0.58% | 4.47% | 4.60% | +516 bps | |
| Net Interest Margin | 3.37% | 3.21% | 3.24% | 2.66% | 3.09% | 3.07% | 3.08% | 2.68% | +1 bps | |
| Efficiency Ratio | 107.67% | 108.16% | 98.31% | 101.38% | 97.80% | 97.90% | 89.76% | 89.51% | -1,187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.95% | -1.23% | 19.41% | 13.34% | 17.50% | 14.62% | 14.07% | 9.77% | -358 bps | |
| Loan Growth (YoY) | -17.26% | -14.88% | 1.77% | 6.68% | 10.95% | 23.28% | 26.52% | 27.77% | +2,109 bps | |
| Share Growth (YoY) | 25.38% | -1.56% | 21.69% | 14.39% | 18.25% | 16.28% | 15.15% | 10.60% | -379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.30% | 0.26% | 0.30% | 0.34% | 0.00% | 0.37% | +11 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 | 0.84% | 0.13% | 0.22% | 0.14% | 0.15% | 0.21% | 0.19% | 0.33% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.20% | 9.90% | 9.56% | 7.92% | 8.87% | 8.69% | 8.51% | 7.45% | -47 bps | |
| Net Worth / Assets | 10.20% | 9.90% | 9.56% | 7.92% | 8.87% | 8.69% | 8.51% | 7.45% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.14% | 39.47% | 39.34% | 32.20% | 38.61% | 41.85% | 43.22% | 37.20% | +500 bps | |
| Liquid Assets / Assets | 31.47% | 44.46% | 39.65% | 48.97% | 41.31% | 40.18% | 38.00% | 38.06% | -1,092 bps | |