Syracuse, NY · Charter 20731
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.23% | -0.99% | -5.91% | -3.28% | -1.92% | -2.76% | -1.99% | -2.08% | +120 bps | |
| Return on Equity | -19.56% | -15.83% | -123.14% | -59.35% | -32.65% | -60.57% | -55.07% | -70.78% | -1,143 bps | |
| Net Interest Margin | 2.12% | 2.25% | 2.94% | 3.65% | 4.38% | 4.55% | 4.41% | 4.55% | +90 bps | |
| Efficiency Ratio | 126.70% | 120.91% | 117.58% | 106.53% | 96.10% | 107.80% | 95.65% | 116.50% | +998 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.14% | 12.08% | -2.57% | -17.84% | -14.94% | -14.44% | -5.12% | -0.95% | +1,689 bps | |
| Loan Growth (YoY) | 12.26% | 22.90% | 22.97% | 23.70% | 13.36% | 0.98% | -8.27% | -16.53% | -4,023 bps | |
| Share Growth (YoY) | 37.85% | 14.32% | -0.40% | -17.32% | -14.45% | -12.69% | -3.71% | 2.02% | +1,933 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.61% | 0.75% | 0.82% | 1.67% | 0.17% | 0.65% | 0.07% | -76 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 | 0.37% | 0.09% | 0.70% | 0.59% | 0.53% | 0.29% | 1.01% | 0.62% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.29% | 6.25% | 4.80% | 5.52% | 5.88% | 4.55% | 3.62% | 2.94% | -258 bps | |
| Net Worth / Assets | 6.29% | 6.25% | 4.80% | 5.52% | 5.88% | 4.55% | 3.62% | 2.94% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.34% | 73.85% | 75.00% | 89.62% | 90.56% | 85.41% | 71.44% | 73.33% | -1,629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |