Lancaster, NY · Charter 21328
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | 0.14% | -0.72% | -0.70% | -0.87% | -2.26% | -2.22% | -2.23% | -153 bps | |
| Return on Equity | -1.63% | 1.12% | -6.13% | -5.87% | -7.42% | -19.40% | -20.30% | -19.09% | -1,321 bps | |
| Net Interest Margin | 3.77% | 3.73% | 3.51% | 3.73% | 3.76% | 3.40% | 3.47% | 3.77% | +4 bps | |
| Efficiency Ratio | 100.37% | 96.21% | 95.74% | 102.74% | 102.72% | 104.31% | 105.83% | 119.32% | +1,658 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | 2.00% | 7.04% | 3.56% | -0.84% | -3.03% | -6.00% | -12.85% | -1,641 bps | |
| Loan Growth (YoY) | 10.25% | -5.59% | -5.13% | -7.06% | -16.59% | -10.87% | -7.83% | -12.69% | -563 bps | |
| Share Growth (YoY) | 1.90% | 2.89% | 8.85% | 5.44% | 0.30% | -1.58% | -4.97% | -12.96% | -1,840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.57% | 9.49% | 9.05% | 9.61% | 9.26% | 10.01% | 8.41% | 9.07% | -54 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 | 4.39% | 4.66% | 5.37% | 3.99% | 2.72% | 3.01% | 3.72% | 4.02% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.63% | 12.75% | 11.82% | 11.97% | 11.74% | 11.64% | 10.95% | 11.68% | -29 bps | |
| Net Worth / Assets | 12.63% | 12.75% | 11.82% | 11.97% | 11.74% | 11.64% | 10.95% | 11.68% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.49% | 75.14% | 71.32% | 71.83% | 66.94% | 68.05% | 69.18% | 72.06% | +22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |