Schenectady, NY · Charter 23666
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.85% | 1.05% | 1.00% | 0.18% | 0.35% | 0.53% | 0.54% | -46 bps | |
| Return on Equity | 6.94% | 7.53% | 9.05% | 8.14% | 1.51% | 2.91% | 4.40% | 3.96% | -419 bps | |
| Net Interest Margin | 3.38% | 3.47% | 3.54% | 3.73% | 3.40% | 3.47% | 3.45% | 3.81% | +8 bps | |
| Efficiency Ratio | 83.32% | 80.35% | 77.59% | 77.83% | 92.89% | 87.97% | 85.63% | 86.79% | +896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.48% | 4.92% | -2.56% | 0.99% | 0.17% | 0.09% | 1.67% | -6.00% | -699 bps | |
| Loan Growth (YoY) | 5.06% | 11.84% | 9.48% | 12.09% | 1.41% | -0.57% | 0.09% | -3.80% | -1,589 bps | |
| Share Growth (YoY) | 6.31% | 3.34% | -4.12% | 0.15% | 0.09% | 0.38% | 0.88% | -8.30% | -845 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.69% | 2.97% | 2.30% | 1.92% | 2.45% | 2.53% | 2.19% | 3.01% | +109 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 | 0.86% | 0.71% | 0.73% | 0.74% | 0.76% | 0.82% | 0.82% | 0.76% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.10% | 11.34% | 11.57% | 12.29% | 11.90% | 12.05% | 11.94% | 13.61% | +132 bps | |
| Net Worth / Assets | 11.10% | 11.34% | 11.57% | 12.29% | 11.90% | 12.05% | 11.94% | 13.61% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.42% | 47.67% | 48.55% | 49.77% | 45.01% | 47.22% | 48.17% | 52.21% | +245 bps | |
| Liquid Assets / Assets | 31.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |