Gloversville, NY · Cert 7075
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.23% | 1.14% | 1.09% | 1.11% | 0.67% | 0.79% | 0.71% | -38 bps | |
| Return on Equity | 14.21% | 13.21% | 12.48% | 11.98% | 12.36% | 7.38% | 8.63% | 7.61% | -438 bps | |
| Net Interest Margin | 3.48% | 3.47% | 3.34% | 3.25% | 3.35% | 3.33% | 3.37% | 3.42% | +18 bps | |
| Efficiency Ratio | 56.08% | 56.57% | 58.21% | 59.58% | 62.29% | 79.01% | 72.71% | 72.35% | +1,276 bps | |
| Non-Interest Burden | 1.78% | 1.80% | 1.78% | 1.80% | 1.96% | 2.57% | 2.36% | 2.38% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.44% | -1.92% | 11.12% | 6.71% | 7.02% | 7.89% | -7.79% | -5.56% | -1,227 bps | |
| Loan Growth (YoY) | -4.04% | 0.31% | 7.94% | 10.11% | 12.22% | 14.91% | 8.65% | 4.96% | -514 bps | |
| Deposit Growth (YoY) | -0.58% | 0.05% | 15.56% | 7.48% | 10.73% | 11.40% | -6.42% | 0.28% | -721 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 | 0.30% | 0.30% | 0.24% | 0.31% | 0.09% | 0.07% | 0.08% | 0.10% | -21 bps | |
| Allowance / Loans | 1.41% | 1.40% | 1.36% | 1.24% | 1.21% | 1.18% | 1.20% | 1.22% | -2 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 | 16.80% | 17.19% | 15.24% | 15.52% | 15.86% | 15.43% | 16.28% | 16.91% | +139 bps | |
| Equity / Assets | 9.57% | 9.27% | 8.67% | 9.03% | 8.97% | 9.16% | 9.59% | 9.77% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.59% | 56.89% | 52.10% | 56.61% | 57.35% | 58.68% | 60.49% | 59.26% | +265 bps | |
| Liquid Assets / Assets | 4.32% | 2.45% | 4.16% | 1.89% | 2.34% | 2.25% | 1.85% | 1.86% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |