Bath, NY · Cert 6962
FDIC
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 0.84% | 0.74% | 1.05% | 0.95% | 0.88% | 0.65% | 0.01% | 0.49% | -46 bps | |
| Return on Equity | 5.86% | 4.46% | 6.36% | 5.81% | 5.36% | 3.92% | 0.04% | 2.94% | -287 bps | |
| Net Interest Margin | 3.26% | 3.30% | 3.32% | 3.30% | 3.20% | 3.14% | 3.08% | 3.10% | -20 bps | |
| Efficiency Ratio | 59.81% | 63.84% | 61.34% | 62.69% | 64.01% | 66.18% | 69.70% | 61.27% | -142 bps | |
| Non-Interest Burden | 1.66% | 1.89% | 1.73% | 1.78% | 1.80% | 1.90% | 2.01% | 1.51% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.65% | -7.07% | -7.54% | 2.18% | 2.24% | 2.96% | -0.53% | -4.58% | -675 bps | |
| Loan Growth (YoY) | 3.46% | -0.70% | -4.95% | -4.52% | 0.59% | -1.91% | -1.30% | -11.35% | -683 bps | |
| Deposit Growth (YoY) | -7.37% | -8.50% | -9.24% | 1.61% | 3.18% | 3.96% | -0.40% | -5.91% | -752 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.83% | 0.68% | 0.44% | 0.53% | 0.51% | 0.29% | 3.69% | 2.85% | +232 bps | |
| Allowance / Loans | 1.92% | 1.99% | 1.93% | 1.92% | 2.00% | 2.19% | 1.63% | 1.87% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.94% | 15.33% | 16.17% | 16.16% | 16.88% | 17.37% | 17.57% | 19.39% | +323 bps | |
| Equity / Assets | 16.43% | 16.59% | 16.47% | 16.26% | 16.71% | 16.30% | 17.01% | 17.15% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.94% | 67.85% | 67.95% | 64.60% | 67.21% | 64.02% | 67.34% | 60.86% | -374 bps | |
| Liquid Assets / Assets | 0.58% | 0.84% | 1.00% | 1.58% | 1.35% | 1.25% | 1.39% | 1.41% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |