Jamestown, NY · Charter 4322
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | -0.37% | -0.86% | -0.49% | -0.01% | 0.72% | 0.36% | 0.49% | +98 bps | |
| Return on Equity | 2.41% | -1.89% | -4.40% | -2.44% | -0.06% | 3.47% | 1.73% | 2.24% | +468 bps | |
| Net Interest Margin | 2.27% | 1.93% | 1.92% | 1.95% | 2.10% | 2.51% | 1.24% | 2.12% | +16 bps | |
| Efficiency Ratio | 79.09% | 118.90% | 95.96% | 102.61% | 85.48% | 71.63% | 71.63% | 77.11% | -2,550 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | -1.16% | -2.34% | -3.48% | 0.55% | -4.67% | -2.11% | -4.43% | -96 bps | |
| Loan Growth (YoY) | -5.67% | -7.15% | -14.15% | -20.98% | -25.63% | -16.66% | -16.36% | -13.01% | +797 bps | |
| Share Growth (YoY) | 0.79% | -1.43% | -2.16% | -3.83% | 0.75% | -6.12% | -3.68% | -6.20% | -237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 2.58% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.00% | 0 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 | 0.99% | 1.13% | 1.78% | 1.35% | 1.52% | 1.63% | 1.74% | 1.75% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.92% | 19.49% | 19.49% | 20.14% | 19.78% | 20.71% | 20.57% | 21.81% | +167 bps | |
| Net Worth / Assets | 19.92% | 19.49% | 19.49% | 20.14% | 19.78% | 20.71% | 20.57% | 21.81% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.78% | 35.14% | 33.45% | 33.14% | 30.10% | 31.19% | 29.04% | 30.74% | -241 bps | |
| Liquid Assets / Assets | 64.59% | 68.21% | 54.28% | 40.34% | 41.37% | 37.29% | 74.02% | 74.11% | +3,377 bps | |