Saratoga Sprngs, NY · Charter 21836
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.87% | 1.90% | 1.25% | 0.87% | 0.90% | 0.68% | 0.94% | -31 bps | |
| Return on Equity | 5.91% | 7.17% | 14.72% | 9.33% | 6.69% | 6.73% | 5.22% | 7.03% | -230 bps | |
| Net Interest Margin | 3.44% | 3.67% | 4.07% | 4.04% | 3.98% | 4.07% | 4.11% | 4.26% | +22 bps | |
| Efficiency Ratio | 72.70% | 71.25% | 74.29% | 81.16% | 79.38% | 81.24% | 73.39% | 70.37% | -1,080 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.95% | -5.02% | -2.52% | -5.08% | -4.34% | -0.28% | 4.07% | 5.63% | +1,072 bps | |
| Loan Growth (YoY) | 16.75% | 19.92% | 21.83% | 17.83% | 17.42% | 13.17% | 12.05% | 10.41% | -743 bps | |
| Share Growth (YoY) | -4.56% | -6.21% | -4.21% | -7.08% | -5.96% | -1.50% | 3.82% | 5.46% | +1,255 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.96% | 0.27% | 0.75% | 0.63% | 0.82% | 0.53% | 0.09% | -66 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 | 0.87% | 0.83% | 0.55% | 0.55% | 0.58% | 0.28% | 0.30% | 0.50% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.54% | 12.14% | 12.92% | 13.40% | 13.04% | 13.41% | 12.99% | 13.44% | +4 bps | |
| Net Worth / Assets | 11.54% | 12.14% | 12.92% | 13.40% | 13.04% | 13.41% | 12.99% | 13.44% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.05% | 77.10% | 80.05% | 83.95% | 83.72% | 88.59% | 86.40% | 87.88% | +394 bps | |
| Liquid Assets / Assets | 31.10% | 24.26% | 23.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |