Syracuse, NY · Charter 6536
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.68% | 0.58% | 0.35% | 0.95% | 0.86% | 0.80% | 0.65% | +29 bps | |
| Return on Equity | 8.36% | 6.40% | 5.27% | 3.21% | 8.71% | 7.78% | 7.00% | 5.61% | +240 bps | |
| Net Interest Margin | 4.22% | 4.18% | 4.31% | 4.35% | 4.09% | 4.14% | 4.25% | 4.25% | -9 bps | |
| Efficiency Ratio | 76.34% | 78.08% | 77.91% | 79.42% | 74.93% | 77.81% | 79.59% | 83.71% | +429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 1.92% | -0.26% | 0.08% | -0.88% | -0.09% | 0.38% | 0.74% | +67 bps | |
| Loan Growth (YoY) | 1.48% | 2.63% | 5.24% | 5.57% | 5.97% | 8.34% | 8.79% | 8.13% | +256 bps | |
| Share Growth (YoY) | 3.35% | 1.26% | -0.39% | -0.38% | -1.40% | -1.04% | -0.88% | -0.25% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.82% | 1.02% | 1.16% | 0.93% | 0.89% | 0.87% | 1.19% | +3 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 | 1.22% | 1.18% | 1.31% | 1.30% | 1.31% | 1.23% | 1.14% | 0.96% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.47% | 10.59% | 10.96% | 10.97% | 10.95% | 11.02% | 11.43% | 11.53% | +57 bps | |
| Net Worth / Assets | 10.47% | 10.59% | 10.96% | 10.97% | 10.95% | 11.02% | 11.43% | 11.53% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.85% | 72.24% | 75.75% | 78.15% | 76.15% | 79.09% | 83.15% | 84.72% | +657 bps | |
| Liquid Assets / Assets | 12.05% | 11.09% | 9.76% | 8.15% | 12.34% | 0.00% | 0.00% | 0.00% | -815 bps | |