Fulton, NY · Charter 6143
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.06% | 0.08% | 0.15% | 0.24% | 0.08% | -2.79% | 0.37% | +23 bps | |
| Return on Equity | 1.07% | 0.50% | 0.57% | 1.17% | 1.88% | 0.57% | -24.75% | 3.42% | +226 bps | |
| Net Interest Margin | 5.33% | 5.41% | 5.54% | 4.80% | 4.98% | 5.07% | 5.24% | 4.74% | -6 bps | |
| Efficiency Ratio | 92.18% | 93.14% | 94.18% | 95.85% | 94.46% | 97.00% | 139.92% | 91.38% | -446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.82% | -7.81% | -11.44% | -6.54% | -2.10% | -1.04% | -4.25% | -7.20% | -66 bps | |
| Loan Growth (YoY) | -3.20% | -8.39% | -9.18% | -11.77% | -12.83% | -12.32% | -12.11% | -10.45% | +133 bps | |
| Share Growth (YoY) | -7.02% | -6.63% | -9.90% | -3.90% | -4.65% | -4.03% | -4.12% | -6.57% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.45% | 0.60% | 0.46% | 0.59% | 0.57% | 0.36% | 0.23% | -23 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 | 0.39% | 0.44% | 0.44% | 0.43% | 0.45% | 0.45% | 0.23% | 0.21% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.50% | 12.90% | 13.47% | 12.53% | 12.90% | 13.19% | 11.28% | 10.88% | -164 bps | |
| Net Worth / Assets | 12.50% | 12.90% | 13.47% | 12.53% | 12.90% | 13.19% | 11.28% | 10.88% | -164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.76% | 93.44% | 97.29% | 83.26% | 85.72% | 85.37% | 89.18% | 79.81% | -345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |