Jamestown, NY · Charter 24696
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jamestown, NY · Charter 24696
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.61% | 1.62% | -5.27% | -0.14% | -0.97% | -4.36% | 2.67% | 3.91% | +404 bps | |
| Return on Equity | 34.59% | 17.73% | -62.63% | -1.50% | -13.79% | -111.34% | 58.56% | 67.00% | +6,850 bps | |
| Net Interest Margin | 1.89% | 2.10% | 2.59% | 3.56% | 3.63% | 3.93% | 3.91% | 4.30% | +74 bps | |
| Efficiency Ratio | 30.62% | 26.74% | 50.94% | 28.41% | 25.21% | 23.76% | 35.62% | 26.27% | -214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.14% | 9.68% | 6.77% | 4.66% | 2.31% | -6.77% | -5.85% | -5.57% | -1,024 bps | |
| Loan Growth (YoY) | n/a | 214% | 68.81% | 83.77% | 47.44% | -36.35% | -43.15% | -70.92% | -15,469 bps | |
| Share Growth (YoY) | 17.01% | 0.08% | -1.41% | -3.50% | 4.58% | -2.98% | -3.18% | -3.75% | -25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 28.63% | 31.77% | 19.67% | 17.40% | 24.04% | 15.86% | 20.09% | 10.47% | -692 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 | 0.00% | 6.70% | 0.00% | 0.37% | 5.74% | 14.40% | 19.01% | 17.68% | +1,731 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 9.15% | 8.41% | 9.10% | 7.03% | 3.92% | 4.57% | 5.83% | -327 bps | |
| Net Worth / Assets | 10.45% | 9.15% | 8.41% | 9.10% | 7.03% | 3.92% | 4.57% | 5.83% | -327 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.30% | 35.17% | 29.79% | 39.39% | 32.85% | 23.07% | 17.49% | 11.90% | -2,749 bps | |
| Liquid Assets / Assets | 77.84% | 68.91% | 71.10% | 62.78% | 70.03% | 79.71% | 85.16% | 0.00% | -6,278 bps | |