Fredonia, NY · Charter 21038
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.75% | 2.02% | 1.49% | 1.25% | 0.09% | -2.01% | -2.61% | -409 bps | |
| Return on Equity | 17.11% | 14.81% | 36.16% | 26.36% | 21.04% | 2.38% | -63.14% | -120.70% | -14,706 bps | |
| Net Interest Margin | 3.99% | 4.04% | 5.33% | 5.03% | 5.76% | 3.63% | 3.25% | 2.83% | -220 bps | |
| Efficiency Ratio | 79.99% | 76.58% | 67.11% | 66.19% | 62.87% | 75.10% | 115.97% | 159.19% | +9,299 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.06% | 37.81% | 18.82% | 18.77% | 8.29% | 39.14% | 44.28% | 44.81% | +2,604 bps | |
| Loan Growth (YoY) | 44.24% | 49.28% | 32.93% | 16.94% | 3.96% | -5.28% | -5.10% | -6.56% | -2,350 bps | |
| Share Growth (YoY) | 10.08% | 20.35% | 8.21% | 12.52% | 11.73% | 62.40% | 60.58% | 55.49% | +4,297 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.42% | 4.15% | 4.29% | 6.10% | 5.59% | 8.86% | 4.11% | 3.99% | -212 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 | 0.77% | 1.00% | 0.71% | 0.72% | 0.83% | 1.45% | 0.41% | 0.47% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.31% | 5.04% | 5.58% | 5.64% | 5.96% | 3.71% | 3.19% | 2.16% | -348 bps | |
| Net Worth / Assets | 5.31% | 5.04% | 5.58% | 5.64% | 5.96% | 3.71% | 3.19% | 2.16% | -348 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.50% | 109.84% | 104.22% | 95.12% | 105.61% | 64.07% | 61.59% | 57.16% | -3,796 bps | |
| Liquid Assets / Assets | 3.18% | 5.45% | 4.44% | 8.45% | 1.99% | 31.11% | 34.27% | 0.00% | -845 bps | |