Port Jervis, NY · Charter 22072
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.06% | -0.26% | -0.16% | -0.30% | -0.13% | 0.06% | -0.02% | +14 bps | |
| Return on Equity | 0.63% | 0.87% | -3.98% | -2.80% | -4.35% | -2.03% | 0.99% | -0.38% | +242 bps | |
| Net Interest Margin | 1.77% | 2.00% | 1.71% | 1.55% | 1.76% | 1.82% | 1.64% | 1.27% | -28 bps | |
| Efficiency Ratio | 93.91% | 93.54% | 108.37% | 104.21% | 108.63% | 100.46% | 89.37% | 91.43% | -1,279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.97% | 7.81% | 27.76% | 10.85% | 11.05% | 8.34% | 0.96% | 1.84% | -901 bps | |
| Loan Growth (YoY) | -22.37% | -25.07% | -24.91% | -20.23% | -19.26% | -14.50% | -7.91% | 2.49% | +2,272 bps | |
| Share Growth (YoY) | 35.73% | 8.24% | 30.16% | 11.74% | 12.37% | 9.18% | 1.22% | 1.81% | -993 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.86% | 1.01% | 1.14% | 1.20% | 2.49% | 1.44% | 0.86% | -28 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 | 0.54% | 0.62% | 0.79% | 0.51% | 0.73% | 0.69% | 0.33% | 0.41% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.77% | 7.27% | 6.43% | 5.75% | 6.80% | 6.58% | 6.32% | 5.81% | +6 bps | |
| Net Worth / Assets | 7.77% | 7.27% | 6.43% | 5.75% | 6.80% | 6.58% | 6.32% | 5.81% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.04% | 25.77% | 20.98% | 17.90% | 20.86% | 20.18% | 19.08% | 18.02% | +12 bps | |
| Liquid Assets / Assets | 72.22% | 75.20% | 61.32% | 173.91% | 60.10% | 80.16% | 81.04% | 78.77% | -9,514 bps | |