Clifton Springs, NY · Cert 7005
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | 0.88% | 0.82% | 0.77% | 0.66% | 0.84% | 0.86% | 0.35% | -42 bps | |
| Return on Equity | -3.87% | 10.27% | 9.36% | 8.51% | 6.92% | 8.60% | 8.71% | 3.54% | -497 bps | |
| Net Interest Margin | 4.12% | 4.19% | 4.17% | 4.15% | 4.17% | 4.36% | 4.32% | 4.17% | +2 bps | |
| Efficiency Ratio | 77.75% | 69.03% | 71.73% | 74.70% | 78.37% | 75.25% | 75.04% | 91.20% | +1,650 bps | |
| Non-Interest Burden | 3.04% | 2.63% | 2.76% | 2.86% | 3.08% | 3.08% | 3.03% | 3.73% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.17% | -0.17% | -3.95% | -2.61% | -3.51% | -6.02% | -3.16% | -4.85% | -224 bps | |
| Loan Growth (YoY) | 4.62% | 4.01% | -1.43% | -1.62% | -7.68% | -12.68% | -15.74% | -17.10% | -1,549 bps | |
| Deposit Growth (YoY) | 3.39% | 2.68% | 0.11% | -2.93% | -1.22% | -0.63% | 2.92% | 0.97% | +390 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 | -0.39% | 0.04% | 0.08% | 0.71% | -0.02% | 0.23% | 0.72% | -0.03% | -74 bps | |
| Allowance / Loans | 0.93% | 1.00% | 1.04% | 0.90% | 1.00% | 1.12% | 1.00% | 1.01% | +11 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 | 13.00% | 13.57% | 13.81% | 14.13% | 15.01% | 15.88% | 16.22% | 16.54% | +241 bps | |
| Equity / Assets | 8.60% | 8.62% | 8.85% | 9.23% | 9.71% | 9.90% | 9.78% | 10.12% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.97% | 87.34% | 88.21% | 89.80% | 85.96% | 76.74% | 72.22% | 73.73% | -1,608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.10% | 0.11% | 0.11% | 0.10% | 0.10% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |