Oswego, NY · Charter 20584
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oswego, NY · Charter 20584
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.74% | 0.73% | -5.61% | -5.49% | -5.46% | -2.19% | -2.32% | +329 bps | |
| Return on Equity | 6.08% | 4.64% | 4.48% | -49.78% | -53.98% | -52.89% | -23.89% | -29.98% | +1,980 bps | |
| Net Interest Margin | 4.04% | 4.56% | 5.49% | 3.90% | 3.28% | 4.41% | 2.74% | 2.81% | -109 bps | |
| Efficiency Ratio | 71.55% | 70.00% | 51.11% | 70.85% | 106.14% | 116.24% | 94.57% | 105.16% | +3,432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.52% | 1.44% | -0.30% | -0.95% | -0.26% | 0.53% | 2.77% | 3.60% | +454 bps | |
| Loan Growth (YoY) | 3.59% | -3.08% | -1.04% | -11.75% | -16.55% | -16.75% | -22.85% | -12.89% | -114 bps | |
| Share Growth (YoY) | 7.58% | 0.98% | -1.63% | 1.75% | 3.90% | 8.37% | 12.10% | 8.32% | +657 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 1.39% | 1.98% | 0.71% | 2.18% | 3.47% | 5.03% | 4.29% | +358 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 | 1.39% | 2.35% | 3.72% | 6.50% | 7.43% | 8.22% | 7.13% | 9.24% | +275 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.23% | 15.86% | 16.21% | 11.27% | 10.16% | 10.32% | 9.18% | 7.73% | -354 bps | |
| Net Worth / Assets | 14.23% | 15.86% | 16.21% | 11.27% | 10.16% | 10.32% | 9.18% | 7.73% | -354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.15% | 48.65% | 48.02% | 37.04% | 36.26% | 37.37% | 33.05% | 29.79% | -725 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |