Albany, NY · Charter 64001
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.30% | 0.62% | 0.77% | 0.83% | 0.71% | 0.61% | 0.49% | -29 bps | |
| Return on Equity | 12.04% | 12.06% | 5.65% | 6.97% | 7.24% | 6.22% | 5.43% | 4.43% | -254 bps | |
| Net Interest Margin | 3.62% | 3.63% | 3.42% | 3.46% | 3.67% | 3.66% | 3.61% | 3.53% | +7 bps | |
| Efficiency Ratio | 69.39% | 68.72% | 81.75% | 77.64% | 76.95% | 74.53% | 75.74% | 75.89% | -175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.27% | 10.84% | 5.07% | 6.34% | 1.74% | 1.20% | 3.19% | 6.13% | -21 bps | |
| Loan Growth (YoY) | 34.50% | 21.63% | 11.27% | 0.65% | 2.08% | 4.28% | 1.16% | 2.65% | +200 bps | |
| Share Growth (YoY) | 7.55% | 2.60% | 1.00% | 4.80% | 5.94% | 7.57% | 4.26% | 4.99% | +19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.83% | 0.99% | 1.13% | 1.21% | 1.77% | 3.13% | 2.82% | +169 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 | 0.31% | 0.30% | 0.27% | 0.27% | 0.23% | 0.40% | 0.29% | 0.31% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.61% | 10.78% | 10.93% | 11.10% | 11.41% | 11.36% | 11.29% | 11.01% | -9 bps | |
| Net Worth / Assets | 10.61% | 10.78% | 10.93% | 11.10% | 11.41% | 11.36% | 11.29% | 11.01% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.15% | 99.24% | 92.25% | 89.22% | 95.54% | 96.21% | 89.51% | 87.24% | -198 bps | |
| Liquid Assets / Assets | 8.99% | 8.19% | 9.83% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |