Geneva, NY · Cert 7070
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 | 0.02%1 | 0.07% | 0.31% | 0.49% | 0.08% | -0.17% | -1.62% | -0.24% | -73 bps | |
| Return on Equity | 0.27% | 0.80% | 3.56% | 5.61% | 0.93% | -1.97% | -18.86% | -2.76% | -837 bps | |
| Net Interest Margin | 3.52% | 3.53% | 3.51% | 3.65% | 3.60% | 3.61% | 3.34% | 3.31% | -34 bps | |
| Efficiency Ratio | 60.97% | 61.30% | 60.25% | 60.05% | 62.62% | 77.17% | 79.84% | 63.82% | +377 bps | |
| Non-Interest Burden | 1.81% | 1.85% | 1.74% | 1.80% | 1.89% | 2.57% | 2.47% | 1.30% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.04% | -6.31% | -9.33% | -7.94% | -4.79% | -5.29% | -4.87% | -6.76% | +118 bps | |
| Loan Growth (YoY) | -6.28% | -12.78% | -16.15% | -20.39% | -18.77% | -16.47% | -21.91% | -32.82% | -1,243 bps | |
| Deposit Growth (YoY) | 1.90% | -4.81% | -8.41% | -8.31% | -4.81% | -4.46% | -4.15% | -6.07% | +225 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 | 2.30% | 2.63% | 1.93% | 1.79% | 1.73% | 1.72% | 14.40% | 12.50% | +1,071 bps | |
| Allowance / Loans | 2.61% | 2.84% | 3.16% | 3.42% | 4.85% | 5.31% | 2.22% | 2.54% | -88 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 | 12.41% | 12.98% | 13.62% | 14.64% | 14.65% | 15.01% | 14.44% | 17.76% | +312 bps | |
| Equity / Assets | 8.47% | 8.77% | 8.54% | 9.04% | 8.79% | 8.66% | 8.23% | 8.76% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.18% | 70.49% | 69.02% | 63.99% | 62.44% | 61.63% | 56.23% | 45.77% | -1,823 bps | |
| Liquid Assets / Assets | 2.08% | 1.96% | 2.05% | 1.76% | 1.89% | 1.99% | 1.83% | 2.56% | +79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |