Binghamton, NY · Charter 4507
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.30% | -0.63% | 0.00% | 0.00% | 0.56% | 1.01% | -33.41% | -3,341 bps | |
| Return on Equity | -1.70% | -2.26% | -4.71% | 0.00% | 0.00% | 4.61% | 7.90% | n/a | n/a | |
| Net Interest Margin | 2.57% | 2.80% | 3.01% | 3.47% | 3.62% | 3.73% | 4.00% | 4.37% | +90 bps | |
| Efficiency Ratio | 66.29% | 78.74% | 85.82% | 70.57% | 77.28% | 81.62% | 76.48% | 104.80% | +3,423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.84% | 20.34% | 4.76% | 3.27% | -2.96% | 8.28% | 11.06% | -20.09% | -2,336 bps | |
| Loan Growth (YoY) | 17.95% | 22.50% | 25.25% | 29.80% | 39.54% | 54.28% | 45.95% | -20.51% | -5,031 bps | |
| Share Growth (YoY) | 33.81% | 24.63% | 6.40% | 4.57% | -2.76% | 9.64% | 11.98% | -0.26% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.64% | 1.46% | 0.61% | 0.06% | 0.19% | 0.39% | 1.14% | +53 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 | 0.72% | 0.26% | 0.68% | 0.66% | 0.80% | 0.84% | 0.73% | 1.14% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.96% | 13.30% | 13.39% | 13.01% | 12.86% | 12.23% | 12.81% | -8.45% | -2,146 bps | |
| Net Worth / Assets | 12.96% | 13.30% | 13.39% | 13.01% | 12.86% | 12.23% | 12.81% | -8.45% | -2,146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.04% | 55.74% | 60.70% | 63.99% | 71.81% | 78.44% | 79.12% | 51.00% | -1,299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |