Cortland, NY · Charter 22463
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.16% | -0.30% | -0.17% | -0.40% | -0.92% | 0.65% | -0.78% | -61 bps | |
| Return on Equity | 5.15% | 1.91% | -3.70% | -2.29% | -4.84% | -11.77% | 8.59% | -12.60% | -1,031 bps | |
| Net Interest Margin | 4.74% | 4.57% | 4.58% | 4.18% | 5.03% | 5.14% | 4.71% | 4.19% | +2 bps | |
| Efficiency Ratio | 77.68% | 77.28% | 90.60% | 84.67% | 82.83% | 81.84% | 84.93% | 94.99% | +1,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.85% | 5.98% | -2.23% | 1.94% | 3.05% | -5.21% | -0.42% | -0.36% | -230 bps | |
| Loan Growth (YoY) | 3.27% | -3.21% | -5.28% | -4.80% | 5.07% | 8.73% | 10.78% | 7.75% | +1,255 bps | |
| Share Growth (YoY) | 1.32% | 4.46% | -1.33% | 0.73% | 5.89% | -4.11% | 2.05% | 1.74% | +101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.85% | 1.38% | 2.10% | 0.81% | 0.87% | 0.52% | 0.52% | -158 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 | 0.74% | 1.39% | 1.12% | 1.23% | 1.69% | 2.23% | 2.01% | 2.21% | +98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.97% | 8.26% | 8.12% | 7.22% | 8.23% | 7.79% | 7.53% | 6.17% | -105 bps | |
| Net Worth / Assets | 8.97% | 8.26% | 8.12% | 7.22% | 8.23% | 7.79% | 7.53% | 6.17% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.30% | 54.77% | 51.04% | 47.84% | 59.83% | 62.10% | 55.40% | 50.66% | +282 bps | |
| Liquid Assets / Assets | 16.43% | 26.06% | 24.80% | 30.69% | 12.91% | 15.93% | 26.15% | 0.00% | -3,069 bps | |