Beacon, NY · Charter 3728
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 | -0.35% | 0.06% | -0.23% | -0.94% | -1.55% | -4.24% | -2.36% | -1.89% | -95 bps | |
| Return on Equity | -3.01% | 0.50% | -1.99% | -8.30% | -14.58% | -45.57% | -26.30% | -20.50% | -1,220 bps | |
| Net Interest Margin | 3.94% | 3.93% | 3.85% | 3.87% | 3.84% | 3.36% | 3.34% | 3.62% | -25 bps | |
| Efficiency Ratio | 100.85% | 97.83% | 103.53% | 115.41% | 120.54% | 130.68% | 120.00% | 117.08% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | -6.32% | -4.30% | -3.41% | -4.92% | -0.87% | 1.44% | -0.90% | +251 bps | |
| Loan Growth (YoY) | -8.82% | -8.70% | -6.55% | -8.78% | -9.46% | -9.27% | -7.19% | -4.38% | +440 bps | |
| Share Growth (YoY) | -4.00% | -5.93% | -4.41% | -2.23% | -3.46% | 1.49% | 4.78% | 1.68% | +391 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.41% | 1.16% | 1.97% | 1.78% | 1.15% | 1.06% | 0.99% | -98 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 | 0.56% | 0.55% | 0.59% | 0.63% | 0.78% | 1.41% | 1.24% | 1.11% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.59% | 11.79% | 11.70% | 11.37% | 10.64% | 9.31% | 8.98% | 9.22% | -215 bps | |
| Net Worth / Assets | 11.59% | 11.79% | 11.70% | 11.37% | 10.64% | 9.31% | 8.98% | 9.22% | -215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.86% | 72.71% | 73.04% | 71.67% | 70.21% | 65.00% | 64.70% | 67.40% | -427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |