Lancaster, NY · Charter 2120
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.18% | 0.07% | 0.14% | 0.21% | 0.27% | 0.38% | -2.83% | -297 bps | |
| Return on Equity | 0.58% | 1.13% | 0.44% | 0.91% | 1.31% | 1.68% | 2.41% | -19.00% | -1,992 bps | |
| Net Interest Margin | 2.02% | 1.85% | 0.88% | 1.86% | 1.91% | 2.00% | 2.27% | -0.14% | -200 bps | |
| Efficiency Ratio | 95.26% | 90.25% | 92.45% | 92.22% | 89.14% | 86.42% | 83.20% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.01% | -6.39% | -1.98% | 0.45% | 4.93% | 0.87% | -2.66% | -5.98% | -643 bps | |
| Loan Growth (YoY) | 7.65% | 13.38% | 15.90% | 30.78% | 16.46% | 14.70% | 15.90% | 16.96% | -1,381 bps | |
| Share Growth (YoY) | -6.03% | -7.59% | -2.45% | 0.39% | 5.64% | 0.73% | -3.52% | -4.91% | -530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.38% | 1.06% | 0.52% | 0.72% | 0.70% | 0.34% | 2.22% | +170 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 | 0.64% | 0.66% | 0.66% | 0.64% | 0.61% | 0.24% | 0.23% | 1.60% | +96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.42% | 16.04% | 15.14% | 15.88% | 15.85% | 16.14% | 15.88% | 14.88% | -100 bps | |
| Net Worth / Assets | 16.42% | 16.04% | 15.14% | 15.88% | 15.85% | 16.14% | 15.88% | 14.88% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.30% | 33.31% | 32.06% | 36.37% | 37.81% | 37.93% | 38.51% | 44.74% | +837 bps | |
| Liquid Assets / Assets | 68.19% | 12.70% | 69.79% | 48.46% | 65.27% | 34.55% | 56.53% | 53.94% | +548 bps | |