Ballston Spa, NY · Charter 24420
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.02% | 1.00% | 0.85% | 0.49% | 0.70% | 0.51% | 0.25% | -60 bps | |
| Return on Equity | 10.54% | 11.14% | 10.20% | 8.26% | 4.82% | 6.91% | 4.88% | 2.39% | -587 bps | |
| Net Interest Margin | 1.18% | 1.43% | 1.32% | 1.18% | 0.81% | 0.91% | 0.78% | 0.56% | -62 bps | |
| Efficiency Ratio | 11.13% | 9.70% | 11.28% | 12.88% | 18.49% | 18.42% | 22.32% | 32.68% | +1,980 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | -2.23% | -6.84% | -12.48% | -11.63% | -6.19% | -3.59% | -1.71% | +1,076 bps | |
| Loan Growth (YoY) | 8.08% | 7.47% | 5.79% | 9.62% | 7.81% | 8.49% | 5.80% | 2.18% | -744 bps | |
| Share Growth (YoY) | 5.65% | -2.62% | -8.98% | -14.48% | -13.27% | -7.38% | -3.76% | -1.14% | +1,334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.62% | 1.10% | 0.96% | 0.84% | 0.88% | 0.87% | 0.74% | -22 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 | 0.52% | 0.65% | 0.65% | 0.65% | 0.65% | 0.60% | 0.60% | 0.60% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.53% | 9.20% | 9.85% | 10.25% | 10.14% | 10.19% | 10.44% | 10.47% | +22 bps | |
| Net Worth / Assets | 8.53% | 9.20% | 9.85% | 10.25% | 10.14% | 10.19% | 10.44% | 10.47% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.46% | 23.61% | 25.85% | 28.01% | 27.92% | 27.65% | 28.42% | 28.95% | +94 bps | |
| Liquid Assets / Assets | 26.02% | 20.17% | 20.08% | 21.69% | 23.80% | 25.52% | 0.00% | 0.00% | -2,169 bps | |