Poughkeepise, NY · Charter 63132
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 | 0.49% | 1.20% | 1.61% | 1.36% | 1.09% | 0.68% | 1.92% | 1.94% | +58 bps | |
| Return on Equity | 5.23% | 12.68% | 14.33% | 11.26% | 9.64% | 5.76% | 13.34% | 12.64% | +138 bps | |
| Net Interest Margin | 4.69% | 4.58% | 4.56% | 4.79% | 4.70% | 4.06% | 4.62% | 5.14% | +36 bps | |
| Efficiency Ratio | 47.78% | 60.00% | 50.58% | 61.15% | 54.60% | 82.90% | 60.78% | 63.00% | +185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.45% | -6.70% | -3.03% | -6.18% | -7.39% | -12.08% | -14.19% | -12.09% | -591 bps | |
| Loan Growth (YoY) | -4.95% | -10.05% | -13.77% | -16.52% | -21.30% | -17.64% | -11.23% | -9.46% | +706 bps | |
| Share Growth (YoY) | 3.29% | -7.83% | -4.56% | -7.39% | -9.28% | -14.26% | -17.26% | -15.39% | -800 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 3.75% | 0.93% | 2.13% | 1.57% | 2.69% | 2.34% | 2.31% | +17 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 | 2.84% | 3.61% | 3.82% | 3.89% | 3.50% | 3.94% | 3.70% | 3.73% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.45% | 9.49% | 11.22% | 12.06% | 11.29% | 11.73% | 14.39% | 15.36% | +330 bps | |
| Net Worth / Assets | 9.45% | 9.49% | 11.22% | 12.06% | 11.29% | 11.73% | 14.39% | 15.36% | +330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.10% | 64.17% | 73.46% | 77.56% | 66.89% | 61.65% | 78.81% | 83.00% | +544 bps | |
| Liquid Assets / Assets | 27.15% | 43.13% | 36.27% | 31.50% | 41.76% | 46.73% | 33.98% | 31.27% | -23 bps | |