Baldwinsville, NY · Charter 20643
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.82% | 1.12% | -2.64% | -0.02% | -1.75% | -0.63% | -1.64% | +100 bps | |
| Return on Equity | n/a | n/a | 3.57% | -7.54% | -0.06% | -4.91% | -1.73% | -6.05% | +150 bps | |
| Net Interest Margin | 4.40% | 4.46% | 4.96% | 1.19% | 3.92% | 2.02% | 2.14% | 2.23% | +105 bps | |
| Efficiency Ratio | 78.64% | 81.74% | 71.15% | 308% | 100.57% | 184.72% | 128.70% | 171.54% | -13,619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.21% | 7.57% | 2.24% | -12.23% | -16.66% | -15.58% | -16.04% | -13.39% | -115 bps | |
| Loan Growth (YoY) | -29.71% | -21.02% | -12.72% | -25.97% | -39.15% | -38.17% | -44.26% | -38.50% | -1,252 bps | |
| Share Growth (YoY) | 10.36% | 8.71% | 1.26% | -18.93% | -25.43% | -22.32% | -22.01% | -17.87% | +107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.71% | 2.00% | 1.31% | 1.14% | 2.58% | 6.77% | 6.43% | 6.56% | +542 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 | 3.07% | 2.46% | 1.76% | 2.28% | 3.06% | 3.46% | 3.62% | 4.07% | +179 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 31.55% | 35.06% | 37.60% | 35.66% | 36.39% | 27.17% | -788 bps | |
| Net Worth / Assets | n/a | n/a | 31.55% | 35.06% | 37.60% | 35.66% | 36.39% | 27.17% | -788 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.04% | 42.64% | 47.37% | 44.27% | 37.57% | 33.94% | 33.85% | 33.15% | -1,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 66.30% | 69.56% | 75.16% | 76.33% | 76.53% | 77.51% | +794 bps | |