Akron, NY · Charter 21214
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.25% | 0.38% | 0.53% | 0.15% | -0.20% | -4.21% | -9.08% | -961 bps | |
| Return on Equity | 2.27% | 1.70% | 2.40% | 3.19% | 0.87% | -1.10% | -24.55% | -35.55% | -3,875 bps | |
| Net Interest Margin | 5.64% | 5.85% | 6.09% | 6.34% | 5.94% | 5.92% | 6.88% | 11.37% | +503 bps | |
| Efficiency Ratio | 94.44% | 95.81% | 94.16% | 92.13% | 97.54% | 103.11% | 130.65% | 154.86% | +6,272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.00% | -6.83% | -8.60% | -10.68% | -14.49% | -14.63% | -21.60% | -51.88% | -4,120 bps | |
| Loan Growth (YoY) | 23.18% | -9.18% | -5.27% | -0.27% | -2.81% | 2.75% | -13.80% | -62.23% | -6,196 bps | |
| Share Growth (YoY) | 42.58% | -8.08% | -9.42% | -12.02% | -17.14% | -17.02% | -23.41% | -57.19% | -4,517 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.79% | 6.25% | 4.73% | 4.49% | 4.06% | 4.24% | 0.39% | 0.00% | -449 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 | 3.87% | 4.55% | 4.55% | 3.84% | 4.10% | 4.08% | 2.35% | 4.05% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.35% | 14.89% | 15.70% | 16.66% | 17.28% | 17.77% | 17.16% | 25.54% | +888 bps | |
| Net Worth / Assets | 14.35% | 14.89% | 15.70% | 16.66% | 17.28% | 17.77% | 17.16% | 25.54% | +888 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.99% | 79.18% | 87.85% | 93.11% | 92.65% | 98.04% | 98.88% | 82.14% | -1,097 bps | |
| Liquid Assets / Assets | 31.30% | 31.85% | 24.72% | 19.55% | 21.06% | 17.02% | 15.02% | 26.64% | +709 bps | |