Syracuse, NY · Charter 22262
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Syracuse, NY · Charter 22262
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.07% | 0.10% | 0.09% | 0.10% | 0.14% | -6.15% | -19.61% | -1,970 bps | |
| Return on Equity | 0.41% | 0.49% | 0.65% | 0.63% | 0.58% | 0.85% | -43.00% | -137.82% | -13,845 bps | |
| Net Interest Margin | 5.69% | 5.63% | 5.90% | 5.73% | 6.97% | 7.10% | 8.04% | 7.95% | +222 bps | |
| Efficiency Ratio | 99.05% | 98.84% | 98.44% | 98.50% | 95.23% | 93.67% | 94.73% | 112.54% | +1,404 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.54% | 10.17% | 6.82% | 14.08% | -14.97% | -17.62% | -23.83% | -29.17% | -4,326 bps | |
| Loan Growth (YoY) | -8.99% | -11.61% | -10.89% | -5.35% | 4.62% | 2.73% | -5.95% | -15.28% | -993 bps | |
| Share Growth (YoY) | 1.65% | 11.99% | 8.06% | 16.78% | -17.73% | -19.36% | -22.70% | -28.81% | -4,559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.53% | 10.57% | 8.72% | 9.72% | 8.72% | 10.19% | 14.75% | 11.59% | +187 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 | 0.95% | 0.39% | 0.39% | 0.52% | 0.02% | 1.09% | 7.06% | 3.83% | +331 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.66% | 14.68% | 15.57% | 14.71% | 17.37% | 16.44% | 14.30% | 14.23% | -49 bps | |
| Net Worth / Assets | 14.66% | 14.68% | 15.57% | 14.71% | 17.37% | 16.44% | 14.30% | 14.23% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.90% | 68.30% | 74.41% | 70.49% | 85.07% | 87.00% | 90.54% | 83.89% | +1,340 bps | |
| Liquid Assets / Assets | 40.40% | 38.87% | 34.94% | 37.09% | 26.38% | 25.14% | 24.48% | 27.13% | -996 bps | |