Suffern, NY · Charter 4721
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.34% | 0.27% | 0.35% | 0.39% | 0.04% | 0.30% | 0.29% | -5 bps | |
| Return on Equity | 1.82% | 1.45% | 1.16% | 1.45% | 1.64% | 0.15% | 1.23% | 1.16% | -29 bps | |
| Net Interest Margin | 2.93% | 2.74% | 2.82% | 2.90% | 2.90% | 2.65% | 2.92% | 2.99% | +9 bps | |
| Efficiency Ratio | 82.18% | 85.64% | 86.71% | 85.43% | 84.75% | 98.72% | 88.15% | 89.29% | +386 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.35% | -6.98% | -7.06% | -5.97% | -3.19% | -1.67% | -1.55% | -4.08% | +189 bps | |
| Loan Growth (YoY) | 0.80% | -4.43% | -5.07% | -8.08% | -2.96% | 1.29% | 0.96% | 8.30% | +1,638 bps | |
| Share Growth (YoY) | -8.55% | -9.34% | -10.30% | -8.11% | -4.63% | -2.63% | -1.61% | -5.84% | +227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.00% | 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 | 1.98% | 2.18% | 2.01% | 2.17% | 2.49% | 2.16% | 1.99% | 1.96% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.81% | 23.25% | 23.54% | 23.86% | 23.96% | 23.96% | 24.32% | 25.24% | +137 bps | |
| Net Worth / Assets | 22.81% | 23.25% | 23.54% | 23.86% | 23.96% | 23.96% | 24.32% | 25.24% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.17% | 27.68% | 29.26% | 28.56% | 28.67% | 28.79% | 30.02% | 32.85% | +429 bps | |
| Liquid Assets / Assets | 55.09% | 54.40% | 49.25% | 52.36% | 50.29% | 55.23% | 0.00% | 0.00% | -5,236 bps | |