Schenectady, NY · Charter 63270
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.37% | 0.35% | 0.15% | 0.09% | -0.01% | -0.16% | 0.45% | +30 bps | |
| Return on Equity | 6.82% | 5.45% | 4.88% | 2.14% | 1.32% | -0.16% | -2.12% | 6.12% | +398 bps | |
| Net Interest Margin | 4.43% | 4.54% | 4.91% | 4.75% | 4.84% | 4.99% | 5.11% | 4.77% | +2 bps | |
| Efficiency Ratio | 101.44% | 99.80% | 98.86% | 101.61% | 100.49% | 101.61% | 102.60% | 92.21% | -940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.63% | 2.93% | -3.85% | 4.25% | -1.39% | -6.76% | -3.80% | -6.70% | -1,095 bps | |
| Loan Growth (YoY) | 14.84% | 19.91% | 30.51% | 27.43% | -1.14% | -4.37% | 2.73% | -0.69% | -2,813 bps | |
| Share Growth (YoY) | -1.65% | 3.54% | -3.95% | 4.58% | -1.46% | -7.18% | -4.01% | -7.32% | -1,190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.04% | 0.28% | 0.30% | 0.23% | 0.24% | 0.57% | 1.70% | +140 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 | 0.22% | 0.22% | 0.15% | 0.15% | 0.09% | 0.13% | 0.13% | 0.14% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.77% | 6.74% | 7.26% | 6.81% | 7.02% | 7.27% | 7.46% | 7.29% | +47 bps | |
| Net Worth / Assets | 6.77% | 6.74% | 7.26% | 6.81% | 7.02% | 7.27% | 7.46% | 7.29% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.70% | 68.83% | 71.77% | 64.82% | 68.92% | 70.91% | 76.81% | 69.46% | +464 bps | |
| Liquid Assets / Assets | 30.65% | 129.56% | 10.63% | 28.55% | 29.78% | 28.68% | 22.21% | 29.25% | +70 bps | |