Auburn, NY · Charter 21548
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Auburn, NY · Charter 21548
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.93% | -2.06% | -1.82% | -0.93% | -0.71% | -0.75% | -7.13% | -531 bps | |
| Return on Equity | -5.03% | -6.05% | -12.43% | -11.67% | -6.17% | -4.94% | -4.66% | -76.73% | -6,506 bps | |
| Net Interest Margin | 1.39% | 1.30% | 1.47% | 1.39% | 1.22% | 1.18% | 1.35% | -4.05% | -544 bps | |
| Efficiency Ratio | 157.78% | 158.66% | 181.50% | 177.65% | 162.21% | 164.08% | 161.90% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.55% | 12.57% | -6.16% | 2.48% | -3.53% | -3.45% | -2.06% | -5.19% | -767 bps | |
| Loan Growth (YoY) | -41.11% | -44.13% | -41.23% | -38.44% | -28.32% | -19.47% | -10.76% | -3.61% | +3,483 bps | |
| Share Growth (YoY) | 15.71% | 17.52% | -4.48% | 5.62% | -2.14% | -2.26% | -1.39% | 1.84% | -378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.67% | 3.32% | 3.27% | 2.24% | 2.98% | 2.61% | 1.30% | 0.41% | -182 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 | 0.12% | 0.04% | 1.14% | 1.39% | 1.92% | 1.50% | 0.94% | 1.03% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.23% | 15.40% | 16.59% | 15.57% | 15.03% | 14.36% | 16.03% | 9.29% | -628 bps | |
| Net Worth / Assets | 16.23% | 15.40% | 16.59% | 15.57% | 15.03% | 14.36% | 16.03% | 9.29% | -628 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.29% | 18.46% | 20.52% | 18.01% | 15.60% | 15.21% | 18.57% | 17.04% | -96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |