Oswego, NY · Charter 21304
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 | 0.00% | 0.15% | -0.34% | -0.17% | -0.52% | -0.37% | -0.44% | -0.33% | -16 bps | |
| Return on Equity | 0.00% | 0.89% | -1.90% | -0.90% | -2.92% | -2.15% | -2.69% | -1.96% | -106 bps | |
| Net Interest Margin | 4.13% | 4.12% | 4.48% | 4.71% | 4.34% | 4.20% | 4.02% | 4.08% | -63 bps | |
| Efficiency Ratio | 97.95% | 95.46% | 97.92% | 96.23% | 111.46% | 108.58% | 110.62% | 107.70% | +1,147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.01% | 15.64% | 1.48% | -4.29% | -4.69% | -3.58% | 7.91% | 11.60% | +1,589 bps | |
| Loan Growth (YoY) | 2.04% | 3.11% | 3.99% | 10.51% | 13.15% | 12.24% | 17.14% | 19.94% | +943 bps | |
| Share Growth (YoY) | 32.29% | 19.39% | 2.11% | -4.82% | -5.26% | 1.17% | 9.91% | 8.63% | +1,345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.00% | 0.22% | 0.00% | 0.00% | 0.00% | 0.80% | +58 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 | 0.10% | 0.09% | 0.13% | 0.15% | 0.17% | 0.18% | 0.18% | 0.19% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.19% | 17.07% | 18.04% | 18.86% | 17.75% | 17.28% | 16.47% | 16.58% | -229 bps | |
| Net Worth / Assets | 17.19% | 17.07% | 18.04% | 18.86% | 17.75% | 17.28% | 16.47% | 16.58% | -229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.18% | 59.01% | 64.28% | 64.96% | 65.90% | 65.47% | 68.51% | 71.72% | +677 bps | |
| Liquid Assets / Assets | 51.69% | 47.98% | 44.62% | 32.95% | 42.65% | 39.05% | 40.27% | 37.46% | +451 bps | |