Alfred, NY · Charter 22955
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.40% | -5.79% | 0.47% | 2.15% | 1.90% | 0.98% | 0.01% | 0.85% | -130 bps | |
| Return on Equity | 12.29% | -30.73% | 2.39% | 7.98% | 8.99% | 4.57% | 0.05% | 3.67% | -431 bps | |
| Net Interest Margin | 3.63% | 4.39% | 4.42% | 4.92% | 4.36% | 3.34% | 3.93% | 4.14% | -78 bps | |
| Efficiency Ratio | 60.95% | 56.70% | 55.19% | 37.45% | 46.52% | 71.21% | 67.31% | 59.89% | +2,244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.07% | -7.38% | -5.85% | 3.31% | -2.87% | -0.04% | -1.78% | -11.74% | -1,505 bps | |
| Loan Growth (YoY) | 4.82% | 4.53% | 2.30% | 2.06% | 1.35% | -2.64% | -10.85% | -16.27% | -1,834 bps | |
| Share Growth (YoY) | -10.44% | -9.76% | -8.78% | -7.81% | -4.88% | -3.63% | -4.20% | -6.98% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.99% | 1.92% | 0.89% | 0.28% | 0.39% | 0.54% | 0.76% | 1.00% | +72 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 | 0.14% | 2.29% | 1.04% | 1.04% | 1.09% | 1.09% | 0.58% | 0.89% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.57% | 18.83% | 19.52% | 26.90% | 21.17% | 21.56% | 21.58% | 23.03% | -387 bps | |
| Net Worth / Assets | 19.57% | 18.83% | 19.52% | 26.90% | 21.17% | 21.56% | 21.58% | 23.03% | -387 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.63% | 73.06% | 72.70% | 76.29% | 75.26% | 73.82% | 67.65% | 68.67% | -762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |