Waterford, NY · Charter 21514
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.60% | 0.71% | 0.82% | 0.73% | 1.34% | 1.23% | 0.54% | -28 bps | |
| Return on Equity | 5.80% | 4.63% | 5.52% | 6.22% | 5.34% | 9.78% | 9.38% | 4.07% | -215 bps | |
| Net Interest Margin | 3.37% | 3.12% | 3.03% | 3.13% | 3.21% | 3.37% | 3.15% | 3.19% | +7 bps | |
| Efficiency Ratio | 72.18% | 74.90% | 74.86% | 73.62% | 74.75% | 61.04% | 62.76% | 73.72% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.29% | 16.10% | 12.56% | 13.47% | 9.46% | 1.34% | 5.40% | 3.10% | -1,037 bps | |
| Loan Growth (YoY) | 2.70% | -1.68% | 2.11% | -2.29% | -2.32% | 2.31% | -1.20% | -0.06% | +223 bps | |
| Share Growth (YoY) | 7.20% | 17.86% | 8.95% | 11.42% | 10.25% | 0.61% | 5.19% | 1.49% | -993 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.37% | 1.53% | 2.39% | 2.05% | 0.69% | 0.81% | 2.71% | +32 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 | 0.48% | 0.44% | 0.43% | 0.43% | 0.41% | 0.46% | 0.46% | 0.44% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.10% | 12.94% | 12.82% | 13.12% | 13.61% | 13.67% | 13.11% | 13.22% | +10 bps | |
| Net Worth / Assets | 14.10% | 12.94% | 12.82% | 13.12% | 13.61% | 13.67% | 13.11% | 13.22% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.64% | 57.72% | 58.01% | 57.18% | 59.93% | 58.70% | 54.49% | 56.30% | -87 bps | |
| Liquid Assets / Assets | 25.71% | 34.69% | 34.17% | 31.21% | 29.28% | 30.29% | 32.75% | 34.84% | +363 bps | |