West Senece, NY · Charter 3900
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | -0.16% | -0.98% | -0.44% | -1.67% | -0.91% | -0.90% | -3.71% | -326 bps | |
| Return on Equity | 6.02% | -0.54% | -3.35% | -1.62% | -5.54% | -2.99% | -2.93% | -12.39% | -1,077 bps | |
| Net Interest Margin | 5.10% | 4.85% | 4.48% | 4.75% | 4.47% | 4.93% | 4.73% | 1.23% | -353 bps | |
| Efficiency Ratio | 73.65% | 103.36% | 121.78% | 109.31% | 137.39% | 117.77% | 118.79% | 368% | +25,895 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.37% | -8.18% | -6.34% | 6.33% | -3.82% | -6.45% | -10.19% | -21.22% | -2,754 bps | |
| Loan Growth (YoY) | -30.74% | -15.69% | -22.24% | 11.87% | 16.57% | -3.70% | -9.30% | -39.88% | -5,175 bps | |
| Share Growth (YoY) | -16.99% | -13.05% | -9.44% | 6.99% | -5.43% | -6.93% | -12.90% | -24.49% | -3,148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.83% | 19.18% | 1.63% | 0.28% | 0.00% | 0.00% | 0.00% | -163 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 | 1.30% | 1.22% | 1.36% | 1.01% | 1.12% | 1.27% | 1.50% | 1.69% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.63% | 30.25% | 29.13% | 27.25% | 30.17% | 30.45% | 30.80% | 29.91% | +266 bps | |
| Net Worth / Assets | 30.63% | 30.25% | 29.13% | 27.25% | 30.17% | 30.45% | 30.80% | 29.91% | +266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.87% | 71.17% | 61.37% | 74.96% | 83.65% | 73.64% | 63.90% | 59.69% | -1,528 bps | |
| Liquid Assets / Assets | 49.41% | 42.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |