Dunkirk, NY · Charter 22693
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.05% | -0.21% | 0.03% | 0.04% | 0.14% | -0.26% | -0.24% | -28 bps | |
| Return on Equity | 0.55% | -0.28% | -1.28% | 0.18% | 0.25% | 0.91% | -1.62% | -1.50% | -168 bps | |
| Net Interest Margin | 2.81% | 2.71% | 2.43% | 2.71% | 2.67% | 2.72% | 2.46% | 2.45% | -26 bps | |
| Efficiency Ratio | 92.96% | 98.71% | 108.19% | 98.34% | 98.09% | 94.95% | 109.73% | 109.15% | +1,081 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 1.55% | -0.39% | 0.74% | -2.60% | 5.95% | 4.01% | 4.54% | +381 bps | |
| Loan Growth (YoY) | 9.80% | -15.00% | -15.13% | -30.50% | -30.22% | -25.62% | -12.60% | -12.07% | +1,842 bps | |
| Share Growth (YoY) | 7.16% | 1.10% | -0.73% | 1.19% | -2.58% | 7.15% | 4.80% | 5.71% | +452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.53% | 2.51% | 4.70% | 6.52% | 6.03% | 5.10% | 4.78% | 5.93% | -59 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 | 1.24% | 0.79% | 0.86% | 0.94% | 0.56% | 0.62% | 0.54% | 0.32% | -62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.64% | 16.85% | 16.59% | 17.17% | 17.03% | 15.98% | 15.97% | 16.26% | -91 bps | |
| Net Worth / Assets | 16.64% | 16.85% | 16.59% | 17.17% | 17.03% | 15.98% | 15.97% | 16.26% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.95% | 29.43% | 26.43% | 25.50% | 24.32% | 20.43% | 22.04% | 21.21% | -429 bps | |
| Liquid Assets / Assets | 69.28% | 65.23% | 42.46% | 45.91% | 64.62% | 43.00% | 78.60% | 79.26% | +3,336 bps | |